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$29,340
−HK$1,840/mo
▼ 0.25% · 3.875%
HK$30,252
−HK$928/mo
Today · 4.125%
HK$31,180
baseline
▲ 0.50% · 4.625%
HK$33,077
+HK$1,897/mo
Deposit HK$6.43M · loan HK$6.43M · min. income ≈ HK$62,360/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$482,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,640
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$33,516
−HK$888/mo
Today · 4.125%
HK$34,404
baseline
▲ 0.50% · 4.625%
HK$36,217
+HK$1,813/mo
Deposit HK$6.43M · loan HK$6.43M · min. income ≈ HK$68,808/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$482,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,208
−HK$2,208/mo
▼ 0.25% · 3.875%
HK$36,303
−HK$1,113/mo
Today · 4.125%
HK$37,416
baseline
▲ 0.50% · 4.625%
HK$39,692
+HK$2,276/mo
Deposit HK$5.15M · loan HK$7.72M · min. income ≈ HK$74,832/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$482,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,168
−HK$2,116/mo
▼ 0.25% · 3.875%
HK$40,219
−HK$1,065/mo
Today · 4.125%
HK$41,284
baseline
▲ 0.50% · 4.625%
HK$43,461
+HK$2,177/mo
Deposit HK$5.15M · loan HK$7.72M · min. income ≈ HK$82,568/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$482,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,076
−HK$2,575/mo
▼ 0.25% · 3.875%
HK$42,353
−HK$1,298/mo
Today · 4.125%
HK$43,651
baseline
▲ 0.50% · 4.625%
HK$46,308
+HK$2,657/mo
Deposit HK$3.86M · loan HK$9.01M · min. income ≈ HK$87,302/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$482,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,696
−HK$2,469/mo
▼ 0.25% · 3.875%
HK$46,922
−HK$1,243/mo
Today · 4.125%
HK$48,165
baseline
▲ 0.50% · 4.625%
HK$50,704
+HK$2,539/mo
Deposit HK$3.86M · loan HK$9.01M · min. income ≈ HK$96,330/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$482,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,812
−HK$3,311/mo
▼ 0.25% · 3.875%
HK$54,454
−HK$1,669/mo
Today · 4.125%
HK$56,123
baseline
▲ 0.50% · 4.625%
HK$59,538
+HK$3,415/mo
Deposit HK$1.29M · loan HK$11.58M · min. income ≈ HK$112,246/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,752
−HK$3,175/mo
▼ 0.25% · 3.875%
HK$60,328
−HK$1,599/mo
Today · 4.125%
HK$61,927
baseline
▲ 0.50% · 4.625%
HK$65,191
+HK$3,264/mo
Deposit HK$1.29M · loan HK$11.58M · min. income ≈ HK$123,854/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,508 · Scale 2, in force from 26 Feb 2026)