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$29,367
−HK$1,842/mo
▼ 0.25% · 3.875%
HK$30,281
−HK$928/mo
Today · 4.125%
HK$31,209
baseline
▲ 0.50% · 4.625%
HK$33,108
+HK$1,899/mo
Deposit HK$6.44M · loan HK$6.44M · min. income ≈ HK$62,418/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$482,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,671
−HK$1,765/mo
▼ 0.25% · 3.875%
HK$33,547
−HK$889/mo
Today · 4.125%
HK$34,436
baseline
▲ 0.50% · 4.625%
HK$36,251
+HK$1,815/mo
Deposit HK$6.44M · loan HK$6.44M · min. income ≈ HK$68,872/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$482,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,241
−HK$2,210/mo
▼ 0.25% · 3.875%
HK$36,337
−HK$1,114/mo
Today · 4.125%
HK$37,451
baseline
▲ 0.50% · 4.625%
HK$39,729
+HK$2,278/mo
Deposit HK$5.15M · loan HK$7.73M · min. income ≈ HK$74,902/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$482,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,205
−HK$2,118/mo
▼ 0.25% · 3.875%
HK$40,256
−HK$1,067/mo
Today · 4.125%
HK$41,323
baseline
▲ 0.50% · 4.625%
HK$43,501
+HK$2,178/mo
Deposit HK$5.15M · loan HK$7.73M · min. income ≈ HK$82,646/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$482,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,114
−HK$2,578/mo
▼ 0.25% · 3.875%
HK$42,393
−HK$1,299/mo
Today · 4.125%
HK$43,692
baseline
▲ 0.50% · 4.625%
HK$46,351
+HK$2,659/mo
Deposit HK$3.86M · loan HK$9.02M · min. income ≈ HK$87,384/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$482,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,739
−HK$2,471/mo
▼ 0.25% · 3.875%
HK$46,966
−HK$1,244/mo
Today · 4.125%
HK$48,210
baseline
▲ 0.50% · 4.625%
HK$50,751
+HK$2,541/mo
Deposit HK$3.86M · loan HK$9.02M · min. income ≈ HK$96,420/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$482,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,861
−HK$3,315/mo
▼ 0.25% · 3.875%
HK$54,505
−HK$1,671/mo
Today · 4.125%
HK$56,176
baseline
▲ 0.50% · 4.625%
HK$59,594
+HK$3,418/mo
Deposit HK$1.29M · loan HK$11.59M · min. income ≈ HK$112,352/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,807
−HK$3,178/mo
▼ 0.25% · 3.875%
HK$60,385
−HK$1,600/mo
Today · 4.125%
HK$61,985
baseline
▲ 0.50% · 4.625%
HK$65,252
+HK$3,267/mo
Deposit HK$1.29M · loan HK$11.59M · min. income ≈ HK$123,970/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,960 · Scale 2, in force from 26 Feb 2026)