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$29,302
−HK$1,837/mo
▼ 0.25% · 3.875%
HK$30,213
−HK$926/mo
Today · 4.125%
HK$31,139
baseline
▲ 0.50% · 4.625%
HK$33,034
+HK$1,895/mo
Deposit HK$6.43M · loan HK$6.43M · min. income ≈ HK$62,278/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$481,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,598
−HK$1,761/mo
▼ 0.25% · 3.875%
HK$33,472
−HK$887/mo
Today · 4.125%
HK$34,359
baseline
▲ 0.50% · 4.625%
HK$36,170
+HK$1,811/mo
Deposit HK$6.43M · loan HK$6.43M · min. income ≈ HK$68,718/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$481,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,162
−HK$2,205/mo
▼ 0.25% · 3.875%
HK$36,256
−HK$1,111/mo
Today · 4.125%
HK$37,367
baseline
▲ 0.50% · 4.625%
HK$39,640
+HK$2,273/mo
Deposit HK$5.14M · loan HK$7.71M · min. income ≈ HK$74,734/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$481,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,117
−HK$2,114/mo
▼ 0.25% · 3.875%
HK$40,166
−HK$1,065/mo
Today · 4.125%
HK$41,231
baseline
▲ 0.50% · 4.625%
HK$43,404
+HK$2,173/mo
Deposit HK$5.14M · loan HK$7.71M · min. income ≈ HK$82,462/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$481,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,022
−HK$2,573/mo
▼ 0.25% · 3.875%
HK$42,298
−HK$1,297/mo
Today · 4.125%
HK$43,595
baseline
▲ 0.50% · 4.625%
HK$46,247
+HK$2,652/mo
Deposit HK$3.86M · loan HK$9.00M · min. income ≈ HK$87,190/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$481,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,637
−HK$2,465/mo
▼ 0.25% · 3.875%
HK$46,861
−HK$1,241/mo
Today · 4.125%
HK$48,102
baseline
▲ 0.50% · 4.625%
HK$50,638
+HK$2,536/mo
Deposit HK$3.86M · loan HK$9.00M · min. income ≈ HK$96,204/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$481,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,743
−HK$3,307/mo
▼ 0.25% · 3.875%
HK$54,383
−HK$1,667/mo
Today · 4.125%
HK$56,050
baseline
▲ 0.50% · 4.625%
HK$59,461
+HK$3,411/mo
Deposit HK$1.29M · loan HK$11.57M · min. income ≈ HK$112,100/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$481,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,676
−HK$3,170/mo
▼ 0.25% · 3.875%
HK$60,249
−HK$1,597/mo
Today · 4.125%
HK$61,846
baseline
▲ 0.50% · 4.625%
HK$65,106
+HK$3,260/mo
Deposit HK$1.29M · loan HK$11.57M · min. income ≈ HK$123,692/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$481,879 · Scale 2, in force from 26 Feb 2026)