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$29,308
−HK$1,838/mo
▼ 0.25% · 3.875%
HK$30,219
−HK$927/mo
Today · 4.125%
HK$31,146
baseline
▲ 0.50% · 4.625%
HK$33,041
+HK$1,895/mo
Deposit HK$6.43M · loan HK$6.43M · min. income ≈ HK$62,292/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$481,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,605
−HK$1,761/mo
▼ 0.25% · 3.875%
HK$33,479
−HK$887/mo
Today · 4.125%
HK$34,366
baseline
▲ 0.50% · 4.625%
HK$36,178
+HK$1,812/mo
Deposit HK$6.43M · loan HK$6.43M · min. income ≈ HK$68,732/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$481,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,169
−HK$2,206/mo
▼ 0.25% · 3.875%
HK$36,263
−HK$1,112/mo
Today · 4.125%
HK$37,375
baseline
▲ 0.50% · 4.625%
HK$39,649
+HK$2,274/mo
Deposit HK$5.14M · loan HK$7.71M · min. income ≈ HK$74,750/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$481,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,126
−HK$2,113/mo
▼ 0.25% · 3.875%
HK$40,175
−HK$1,064/mo
Today · 4.125%
HK$41,239
baseline
▲ 0.50% · 4.625%
HK$43,413
+HK$2,174/mo
Deposit HK$5.14M · loan HK$7.71M · min. income ≈ HK$82,478/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$481,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,031
−HK$2,573/mo
▼ 0.25% · 3.875%
HK$42,307
−HK$1,297/mo
Today · 4.125%
HK$43,604
baseline
▲ 0.50% · 4.625%
HK$46,257
+HK$2,653/mo
Deposit HK$3.86M · loan HK$9.00M · min. income ≈ HK$87,208/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$481,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,647
−HK$2,466/mo
▼ 0.25% · 3.875%
HK$46,871
−HK$1,242/mo
Today · 4.125%
HK$48,113
baseline
▲ 0.50% · 4.625%
HK$50,649
+HK$2,536/mo
Deposit HK$3.86M · loan HK$9.00M · min. income ≈ HK$96,226/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$481,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,754
−HK$3,308/mo
▼ 0.25% · 3.875%
HK$54,395
−HK$1,667/mo
Today · 4.125%
HK$56,062
baseline
▲ 0.50% · 4.625%
HK$59,474
+HK$3,412/mo
Deposit HK$1.29M · loan HK$11.57M · min. income ≈ HK$112,124/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$481,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,688
−HK$3,171/mo
▼ 0.25% · 3.875%
HK$60,262
−HK$1,597/mo
Today · 4.125%
HK$61,859
baseline
▲ 0.50% · 4.625%
HK$65,120
+HK$3,261/mo
Deposit HK$1.29M · loan HK$11.57M · min. income ≈ HK$123,718/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$481,983 · Scale 2, in force from 26 Feb 2026)