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$29,328
−HK$1,840/mo
▼ 0.25% · 3.875%
HK$30,241
−HK$927/mo
Today · 4.125%
HK$31,168
baseline
▲ 0.50% · 4.625%
HK$33,064
+HK$1,896/mo
Deposit HK$6.43M · loan HK$6.43M · min. income ≈ HK$62,336/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$482,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,628
−HK$1,762/mo
▼ 0.25% · 3.875%
HK$33,503
−HK$887/mo
Today · 4.125%
HK$34,390
baseline
▲ 0.50% · 4.625%
HK$36,203
+HK$1,813/mo
Deposit HK$6.43M · loan HK$6.43M · min. income ≈ HK$68,780/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$482,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,194
−HK$2,207/mo
▼ 0.25% · 3.875%
HK$36,289
−HK$1,112/mo
Today · 4.125%
HK$37,401
baseline
▲ 0.50% · 4.625%
HK$39,677
+HK$2,276/mo
Deposit HK$5.14M · loan HK$7.72M · min. income ≈ HK$74,802/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$482,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,153
−HK$2,115/mo
▼ 0.25% · 3.875%
HK$40,203
−HK$1,065/mo
Today · 4.125%
HK$41,268
baseline
▲ 0.50% · 4.625%
HK$43,444
+HK$2,176/mo
Deposit HK$5.14M · loan HK$7.72M · min. income ≈ HK$82,536/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$482,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,060
−HK$2,575/mo
▼ 0.25% · 3.875%
HK$42,337
−HK$1,298/mo
Today · 4.125%
HK$43,635
baseline
▲ 0.50% · 4.625%
HK$46,290
+HK$2,655/mo
Deposit HK$3.86M · loan HK$9.00M · min. income ≈ HK$87,270/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$482,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,679
−HK$2,467/mo
▼ 0.25% · 3.875%
HK$46,904
−HK$1,242/mo
Today · 4.125%
HK$48,146
baseline
▲ 0.50% · 4.625%
HK$50,684
+HK$2,538/mo
Deposit HK$3.86M · loan HK$9.00M · min. income ≈ HK$96,292/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$482,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,791
−HK$3,311/mo
▼ 0.25% · 3.875%
HK$54,433
−HK$1,669/mo
Today · 4.125%
HK$56,102
baseline
▲ 0.50% · 4.625%
HK$59,515
+HK$3,413/mo
Deposit HK$1.29M · loan HK$11.58M · min. income ≈ HK$112,204/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,730
−HK$3,173/mo
▼ 0.25% · 3.875%
HK$60,305
−HK$1,598/mo
Today · 4.125%
HK$61,903
baseline
▲ 0.50% · 4.625%
HK$65,166
+HK$3,263/mo
Deposit HK$1.29M · loan HK$11.58M · min. income ≈ HK$123,806/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,321 · Scale 2, in force from 26 Feb 2026)