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$29,337
−HK$1,840/mo
▼ 0.25% · 3.875%
HK$30,250
−HK$927/mo
Today · 4.125%
HK$31,177
baseline
▲ 0.50% · 4.625%
HK$33,074
+HK$1,897/mo
Deposit HK$6.43M · loan HK$6.43M · min. income ≈ HK$62,354/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$482,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,637
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$33,513
−HK$888/mo
Today · 4.125%
HK$34,401
baseline
▲ 0.50% · 4.625%
HK$36,214
+HK$1,813/mo
Deposit HK$6.43M · loan HK$6.43M · min. income ≈ HK$68,802/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$482,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,205
−HK$2,207/mo
▼ 0.25% · 3.875%
HK$36,300
−HK$1,112/mo
Today · 4.125%
HK$37,412
baseline
▲ 0.50% · 4.625%
HK$39,689
+HK$2,277/mo
Deposit HK$5.15M · loan HK$7.72M · min. income ≈ HK$74,824/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$482,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,165
−HK$2,116/mo
▼ 0.25% · 3.875%
HK$40,215
−HK$1,066/mo
Today · 4.125%
HK$41,281
baseline
▲ 0.50% · 4.625%
HK$43,457
+HK$2,176/mo
Deposit HK$5.15M · loan HK$7.72M · min. income ≈ HK$82,562/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$482,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,072
−HK$2,576/mo
▼ 0.25% · 3.875%
HK$42,350
−HK$1,298/mo
Today · 4.125%
HK$43,648
baseline
▲ 0.50% · 4.625%
HK$46,303
+HK$2,655/mo
Deposit HK$3.86M · loan HK$9.01M · min. income ≈ HK$87,296/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$482,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,692
−HK$2,469/mo
▼ 0.25% · 3.875%
HK$46,918
−HK$1,243/mo
Today · 4.125%
HK$48,161
baseline
▲ 0.50% · 4.625%
HK$50,699
+HK$2,538/mo
Deposit HK$3.86M · loan HK$9.01M · min. income ≈ HK$96,322/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$482,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,807
−HK$3,311/mo
▼ 0.25% · 3.875%
HK$54,450
−HK$1,668/mo
Today · 4.125%
HK$56,118
baseline
▲ 0.50% · 4.625%
HK$59,533
+HK$3,415/mo
Deposit HK$1.29M · loan HK$11.58M · min. income ≈ HK$112,236/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,747
−HK$3,174/mo
▼ 0.25% · 3.875%
HK$60,323
−HK$1,598/mo
Today · 4.125%
HK$61,921
baseline
▲ 0.50% · 4.625%
HK$65,185
+HK$3,264/mo
Deposit HK$1.29M · loan HK$11.58M · min. income ≈ HK$123,842/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,466 · Scale 2, in force from 26 Feb 2026)