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$29,362
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$30,275
−HK$928/mo
Today · 4.125%
HK$31,203
baseline
▲ 0.50% · 4.625%
HK$33,101
+HK$1,898/mo
Deposit HK$6.44M · loan HK$6.44M · min. income ≈ HK$62,406/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$482,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,664
−HK$1,765/mo
▼ 0.25% · 3.875%
HK$33,540
−HK$889/mo
Today · 4.125%
HK$34,429
baseline
▲ 0.50% · 4.625%
HK$36,244
+HK$1,815/mo
Deposit HK$6.44M · loan HK$6.44M · min. income ≈ HK$68,858/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$482,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,234
−HK$2,209/mo
▼ 0.25% · 3.875%
HK$36,330
−HK$1,113/mo
Today · 4.125%
HK$37,443
baseline
▲ 0.50% · 4.625%
HK$39,722
+HK$2,279/mo
Deposit HK$5.15M · loan HK$7.73M · min. income ≈ HK$74,886/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$482,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,197
−HK$2,118/mo
▼ 0.25% · 3.875%
HK$40,249
−HK$1,066/mo
Today · 4.125%
HK$41,315
baseline
▲ 0.50% · 4.625%
HK$43,493
+HK$2,178/mo
Deposit HK$5.15M · loan HK$7.73M · min. income ≈ HK$82,630/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$482,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,106
−HK$2,578/mo
▼ 0.25% · 3.875%
HK$42,385
−HK$1,299/mo
Today · 4.125%
HK$43,684
baseline
▲ 0.50% · 4.625%
HK$46,342
+HK$2,658/mo
Deposit HK$3.86M · loan HK$9.01M · min. income ≈ HK$87,368/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$482,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,730
−HK$2,471/mo
▼ 0.25% · 3.875%
HK$46,957
−HK$1,244/mo
Today · 4.125%
HK$48,201
baseline
▲ 0.50% · 4.625%
HK$50,742
+HK$2,541/mo
Deposit HK$3.86M · loan HK$9.01M · min. income ≈ HK$96,402/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$482,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,851
−HK$3,314/mo
▼ 0.25% · 3.875%
HK$54,495
−HK$1,670/mo
Today · 4.125%
HK$56,165
baseline
▲ 0.50% · 4.625%
HK$59,583
+HK$3,418/mo
Deposit HK$1.29M · loan HK$11.59M · min. income ≈ HK$112,330/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,796
−HK$3,177/mo
▼ 0.25% · 3.875%
HK$60,373
−HK$1,600/mo
Today · 4.125%
HK$61,973
baseline
▲ 0.50% · 4.625%
HK$65,239
+HK$3,266/mo
Deposit HK$1.29M · loan HK$11.59M · min. income ≈ HK$123,946/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,866 · Scale 2, in force from 26 Feb 2026)