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$29,326
−HK$1,839/mo
▼ 0.25% · 3.875%
HK$30,239
−HK$926/mo
Today · 4.125%
HK$31,165
baseline
▲ 0.50% · 4.625%
HK$33,062
+HK$1,897/mo
Deposit HK$6.43M · loan HK$6.43M · min. income ≈ HK$62,330/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$482,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,625
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$33,500
−HK$888/mo
Today · 4.125%
HK$34,388
baseline
▲ 0.50% · 4.625%
HK$36,201
+HK$1,813/mo
Deposit HK$6.43M · loan HK$6.43M · min. income ≈ HK$68,776/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$482,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,192
−HK$2,207/mo
▼ 0.25% · 3.875%
HK$36,286
−HK$1,113/mo
Today · 4.125%
HK$37,399
baseline
▲ 0.50% · 4.625%
HK$39,674
+HK$2,275/mo
Deposit HK$5.14M · loan HK$7.72M · min. income ≈ HK$74,798/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$482,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,150
−HK$2,116/mo
▼ 0.25% · 3.875%
HK$40,200
−HK$1,066/mo
Today · 4.125%
HK$41,266
baseline
▲ 0.50% · 4.625%
HK$43,441
+HK$2,175/mo
Deposit HK$5.14M · loan HK$7.72M · min. income ≈ HK$82,532/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$482,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,057
−HK$2,575/mo
▼ 0.25% · 3.875%
HK$42,334
−HK$1,298/mo
Today · 4.125%
HK$43,632
baseline
▲ 0.50% · 4.625%
HK$46,287
+HK$2,655/mo
Deposit HK$3.86M · loan HK$9.00M · min. income ≈ HK$87,264/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$482,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,676
−HK$2,467/mo
▼ 0.25% · 3.875%
HK$46,901
−HK$1,242/mo
Today · 4.125%
HK$48,143
baseline
▲ 0.50% · 4.625%
HK$50,681
+HK$2,538/mo
Deposit HK$3.86M · loan HK$9.00M · min. income ≈ HK$96,286/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$482,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,788
−HK$3,310/mo
▼ 0.25% · 3.875%
HK$54,430
−HK$1,668/mo
Today · 4.125%
HK$56,098
baseline
▲ 0.50% · 4.625%
HK$59,511
+HK$3,413/mo
Deposit HK$1.29M · loan HK$11.57M · min. income ≈ HK$112,196/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,726
−HK$3,172/mo
▼ 0.25% · 3.875%
HK$60,301
−HK$1,597/mo
Today · 4.125%
HK$61,898
baseline
▲ 0.50% · 4.625%
HK$65,161
+HK$3,263/mo
Deposit HK$1.29M · loan HK$11.57M · min. income ≈ HK$123,796/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,289 · Scale 2, in force from 26 Feb 2026)