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$29,313
−HK$1,838/mo
▼ 0.25% · 3.875%
HK$30,224
−HK$927/mo
Today · 4.125%
HK$31,151
baseline
▲ 0.50% · 4.625%
HK$33,046
+HK$1,895/mo
Deposit HK$6.43M · loan HK$6.43M · min. income ≈ HK$62,302/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$482,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,610
−HK$1,762/mo
▼ 0.25% · 3.875%
HK$33,485
−HK$887/mo
Today · 4.125%
HK$34,372
baseline
▲ 0.50% · 4.625%
HK$36,184
+HK$1,812/mo
Deposit HK$6.43M · loan HK$6.43M · min. income ≈ HK$68,744/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$482,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,175
−HK$2,206/mo
▼ 0.25% · 3.875%
HK$36,269
−HK$1,112/mo
Today · 4.125%
HK$37,381
baseline
▲ 0.50% · 4.625%
HK$39,656
+HK$2,275/mo
Deposit HK$5.14M · loan HK$7.71M · min. income ≈ HK$74,762/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$482,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,132
−HK$2,114/mo
▼ 0.25% · 3.875%
HK$40,182
−HK$1,064/mo
Today · 4.125%
HK$41,246
baseline
▲ 0.50% · 4.625%
HK$43,420
+HK$2,174/mo
Deposit HK$5.14M · loan HK$7.71M · min. income ≈ HK$82,492/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$482,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,038
−HK$2,573/mo
▼ 0.25% · 3.875%
HK$42,314
−HK$1,297/mo
Today · 4.125%
HK$43,611
baseline
▲ 0.50% · 4.625%
HK$46,265
+HK$2,654/mo
Deposit HK$3.86M · loan HK$9.00M · min. income ≈ HK$87,222/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$482,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,654
−HK$2,467/mo
▼ 0.25% · 3.875%
HK$46,878
−HK$1,243/mo
Today · 4.125%
HK$48,121
baseline
▲ 0.50% · 4.625%
HK$50,657
+HK$2,536/mo
Deposit HK$3.86M · loan HK$9.00M · min. income ≈ HK$96,242/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$482,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,763
−HK$3,309/mo
▼ 0.25% · 3.875%
HK$54,404
−HK$1,668/mo
Today · 4.125%
HK$56,072
baseline
▲ 0.50% · 4.625%
HK$59,483
+HK$3,411/mo
Deposit HK$1.29M · loan HK$11.57M · min. income ≈ HK$112,144/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,698
−HK$3,171/mo
▼ 0.25% · 3.875%
HK$60,272
−HK$1,597/mo
Today · 4.125%
HK$61,869
baseline
▲ 0.50% · 4.625%
HK$65,131
+HK$3,262/mo
Deposit HK$1.29M · loan HK$11.57M · min. income ≈ HK$123,738/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,063 · Scale 2, in force from 26 Feb 2026)