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$29,353
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$30,266
−HK$928/mo
Today · 4.125%
HK$31,194
baseline
▲ 0.50% · 4.625%
HK$33,092
+HK$1,898/mo
Deposit HK$6.44M · loan HK$6.44M · min. income ≈ HK$62,388/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$482,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,655
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$33,531
−HK$888/mo
Today · 4.125%
HK$34,419
baseline
▲ 0.50% · 4.625%
HK$36,233
+HK$1,814/mo
Deposit HK$6.44M · loan HK$6.44M · min. income ≈ HK$68,838/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$482,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,224
−HK$2,208/mo
▼ 0.25% · 3.875%
HK$36,319
−HK$1,113/mo
Today · 4.125%
HK$37,432
baseline
▲ 0.50% · 4.625%
HK$39,710
+HK$2,278/mo
Deposit HK$5.15M · loan HK$7.72M · min. income ≈ HK$74,864/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$482,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,186
−HK$2,117/mo
▼ 0.25% · 3.875%
HK$40,237
−HK$1,066/mo
Today · 4.125%
HK$41,303
baseline
▲ 0.50% · 4.625%
HK$43,480
+HK$2,177/mo
Deposit HK$5.15M · loan HK$7.72M · min. income ≈ HK$82,606/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$482,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,094
−HK$2,577/mo
▼ 0.25% · 3.875%
HK$42,372
−HK$1,299/mo
Today · 4.125%
HK$43,671
baseline
▲ 0.50% · 4.625%
HK$46,328
+HK$2,657/mo
Deposit HK$3.86M · loan HK$9.01M · min. income ≈ HK$87,342/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$482,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,717
−HK$2,470/mo
▼ 0.25% · 3.875%
HK$46,943
−HK$1,244/mo
Today · 4.125%
HK$48,187
baseline
▲ 0.50% · 4.625%
HK$50,727
+HK$2,540/mo
Deposit HK$3.86M · loan HK$9.01M · min. income ≈ HK$96,374/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$482,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,835
−HK$3,314/mo
▼ 0.25% · 3.875%
HK$54,479
−HK$1,670/mo
Today · 4.125%
HK$56,149
baseline
▲ 0.50% · 4.625%
HK$59,565
+HK$3,416/mo
Deposit HK$1.29M · loan HK$11.59M · min. income ≈ HK$112,298/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,779
−HK$3,175/mo
▼ 0.25% · 3.875%
HK$60,355
−HK$1,599/mo
Today · 4.125%
HK$61,954
baseline
▲ 0.50% · 4.625%
HK$65,220
+HK$3,266/mo
Deposit HK$1.29M · loan HK$11.59M · min. income ≈ HK$123,908/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,726 · Scale 2, in force from 26 Feb 2026)