The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$29,311
−HK$1,838/mo
▼ 0.25% · 3.875%
HK$30,223
−HK$926/mo
Today · 4.125%
HK$31,149
baseline
▲ 0.50% · 4.625%
HK$33,045
+HK$1,896/mo
Deposit HK$6.43M · loan HK$6.43M · min. income ≈ HK$62,298/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$482,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,609
−HK$1,761/mo
▼ 0.25% · 3.875%
HK$33,483
−HK$887/mo
Today · 4.125%
HK$34,370
baseline
▲ 0.50% · 4.625%
HK$36,182
+HK$1,812/mo
Deposit HK$6.43M · loan HK$6.43M · min. income ≈ HK$68,740/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$482,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,174
−HK$2,205/mo
▼ 0.25% · 3.875%
HK$36,268
−HK$1,111/mo
Today · 4.125%
HK$37,379
baseline
▲ 0.50% · 4.625%
HK$39,654
+HK$2,275/mo
Deposit HK$5.14M · loan HK$7.71M · min. income ≈ HK$74,758/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$482,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,130
−HK$2,114/mo
▼ 0.25% · 3.875%
HK$40,180
−HK$1,064/mo
Today · 4.125%
HK$41,244
baseline
▲ 0.50% · 4.625%
HK$43,418
+HK$2,174/mo
Deposit HK$5.14M · loan HK$7.71M · min. income ≈ HK$82,488/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$482,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,036
−HK$2,573/mo
▼ 0.25% · 3.875%
HK$42,312
−HK$1,297/mo
Today · 4.125%
HK$43,609
baseline
▲ 0.50% · 4.625%
HK$46,263
+HK$2,654/mo
Deposit HK$3.86M · loan HK$9.00M · min. income ≈ HK$87,218/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$482,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,652
−HK$2,466/mo
▼ 0.25% · 3.875%
HK$46,876
−HK$1,242/mo
Today · 4.125%
HK$48,118
baseline
▲ 0.50% · 4.625%
HK$50,655
+HK$2,537/mo
Deposit HK$3.86M · loan HK$9.00M · min. income ≈ HK$96,236/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$482,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,760
−HK$3,309/mo
▼ 0.25% · 3.875%
HK$54,401
−HK$1,668/mo
Today · 4.125%
HK$56,069
baseline
▲ 0.50% · 4.625%
HK$59,481
+HK$3,412/mo
Deposit HK$1.29M · loan HK$11.57M · min. income ≈ HK$112,138/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,695
−HK$3,171/mo
▼ 0.25% · 3.875%
HK$60,270
−HK$1,596/mo
Today · 4.125%
HK$61,866
baseline
▲ 0.50% · 4.625%
HK$65,128
+HK$3,262/mo
Deposit HK$1.29M · loan HK$11.57M · min. income ≈ HK$123,732/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,040 · Scale 2, in force from 26 Feb 2026)