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$29,372
−HK$1,842/mo
▼ 0.25% · 3.875%
HK$30,286
−HK$928/mo
Today · 4.125%
HK$31,214
baseline
▲ 0.50% · 4.625%
HK$33,113
+HK$1,899/mo
Deposit HK$6.44M · loan HK$6.44M · min. income ≈ HK$62,428/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$483,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,676
−HK$1,766/mo
▼ 0.25% · 3.875%
HK$33,553
−HK$889/mo
Today · 4.125%
HK$34,442
baseline
▲ 0.50% · 4.625%
HK$36,257
+HK$1,815/mo
Deposit HK$6.44M · loan HK$6.44M · min. income ≈ HK$68,884/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$483,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,247
−HK$2,210/mo
▼ 0.25% · 3.875%
HK$36,343
−HK$1,114/mo
Today · 4.125%
HK$37,457
baseline
▲ 0.50% · 4.625%
HK$39,736
+HK$2,279/mo
Deposit HK$5.15M · loan HK$7.73M · min. income ≈ HK$74,914/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$483,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,211
−HK$2,119/mo
▼ 0.25% · 3.875%
HK$40,263
−HK$1,067/mo
Today · 4.125%
HK$41,330
baseline
▲ 0.50% · 4.625%
HK$43,508
+HK$2,178/mo
Deposit HK$5.15M · loan HK$7.73M · min. income ≈ HK$82,660/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$483,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,121
−HK$2,579/mo
▼ 0.25% · 3.875%
HK$42,400
−HK$1,300/mo
Today · 4.125%
HK$43,700
baseline
▲ 0.50% · 4.625%
HK$46,359
+HK$2,659/mo
Deposit HK$3.86M · loan HK$9.02M · min. income ≈ HK$87,400/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$483,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,747
−HK$2,471/mo
▼ 0.25% · 3.875%
HK$46,974
−HK$1,244/mo
Today · 4.125%
HK$48,218
baseline
▲ 0.50% · 4.625%
HK$50,760
+HK$2,542/mo
Deposit HK$3.86M · loan HK$9.02M · min. income ≈ HK$96,436/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$483,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,870
−HK$3,315/mo
▼ 0.25% · 3.875%
HK$54,514
−HK$1,671/mo
Today · 4.125%
HK$56,185
baseline
▲ 0.50% · 4.625%
HK$59,604
+HK$3,419/mo
Deposit HK$1.29M · loan HK$11.59M · min. income ≈ HK$112,370/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$483,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,817
−HK$3,178/mo
▼ 0.25% · 3.875%
HK$60,395
−HK$1,600/mo
Today · 4.125%
HK$61,995
baseline
▲ 0.50% · 4.625%
HK$65,263
+HK$3,268/mo
Deposit HK$1.29M · loan HK$11.59M · min. income ≈ HK$123,990/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$483,041 · Scale 2, in force from 26 Feb 2026)