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$29,339
−HK$1,840/mo
▼ 0.25% · 3.875%
HK$30,251
−HK$928/mo
Today · 4.125%
HK$31,179
baseline
▲ 0.50% · 4.625%
HK$33,076
+HK$1,897/mo
Deposit HK$6.43M · loan HK$6.43M · min. income ≈ HK$62,358/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$482,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,639
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$33,515
−HK$888/mo
Today · 4.125%
HK$34,403
baseline
▲ 0.50% · 4.625%
HK$36,216
+HK$1,813/mo
Deposit HK$6.43M · loan HK$6.43M · min. income ≈ HK$68,806/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$482,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,207
−HK$2,207/mo
▼ 0.25% · 3.875%
HK$36,302
−HK$1,112/mo
Today · 4.125%
HK$37,414
baseline
▲ 0.50% · 4.625%
HK$39,691
+HK$2,277/mo
Deposit HK$5.15M · loan HK$7.72M · min. income ≈ HK$74,828/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$482,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,167
−HK$2,116/mo
▼ 0.25% · 3.875%
HK$40,217
−HK$1,066/mo
Today · 4.125%
HK$41,283
baseline
▲ 0.50% · 4.625%
HK$43,459
+HK$2,176/mo
Deposit HK$5.15M · loan HK$7.72M · min. income ≈ HK$82,566/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$482,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,074
−HK$2,576/mo
▼ 0.25% · 3.875%
HK$42,352
−HK$1,298/mo
Today · 4.125%
HK$43,650
baseline
▲ 0.50% · 4.625%
HK$46,306
+HK$2,656/mo
Deposit HK$3.86M · loan HK$9.01M · min. income ≈ HK$87,300/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$482,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,695
−HK$2,469/mo
▼ 0.25% · 3.875%
HK$46,920
−HK$1,244/mo
Today · 4.125%
HK$48,164
baseline
▲ 0.50% · 4.625%
HK$50,702
+HK$2,538/mo
Deposit HK$3.86M · loan HK$9.01M · min. income ≈ HK$96,328/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$482,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,810
−HK$3,312/mo
▼ 0.25% · 3.875%
HK$54,453
−HK$1,669/mo
Today · 4.125%
HK$56,122
baseline
▲ 0.50% · 4.625%
HK$59,536
+HK$3,414/mo
Deposit HK$1.29M · loan HK$11.58M · min. income ≈ HK$112,244/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,751
−HK$3,174/mo
▼ 0.25% · 3.875%
HK$60,326
−HK$1,599/mo
Today · 4.125%
HK$61,925
baseline
▲ 0.50% · 4.625%
HK$65,189
+HK$3,264/mo
Deposit HK$1.29M · loan HK$11.58M · min. income ≈ HK$123,850/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,493 · Scale 2, in force from 26 Feb 2026)