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$29,310
−HK$1,839/mo
▼ 0.25% · 3.875%
HK$30,222
−HK$927/mo
Today · 4.125%
HK$31,149
baseline
▲ 0.50% · 4.625%
HK$33,044
+HK$1,895/mo
Deposit HK$6.43M · loan HK$6.43M · min. income ≈ HK$62,298/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$482,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,608
−HK$1,761/mo
▼ 0.25% · 3.875%
HK$33,482
−HK$887/mo
Today · 4.125%
HK$34,369
baseline
▲ 0.50% · 4.625%
HK$36,181
+HK$1,812/mo
Deposit HK$6.43M · loan HK$6.43M · min. income ≈ HK$68,738/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$482,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,173
−HK$2,205/mo
▼ 0.25% · 3.875%
HK$36,267
−HK$1,111/mo
Today · 4.125%
HK$37,378
baseline
▲ 0.50% · 4.625%
HK$39,653
+HK$2,275/mo
Deposit HK$5.14M · loan HK$7.71M · min. income ≈ HK$74,756/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$482,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,129
−HK$2,114/mo
▼ 0.25% · 3.875%
HK$40,179
−HK$1,064/mo
Today · 4.125%
HK$41,243
baseline
▲ 0.50% · 4.625%
HK$43,417
+HK$2,174/mo
Deposit HK$5.14M · loan HK$7.71M · min. income ≈ HK$82,486/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$482,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,035
−HK$2,573/mo
▼ 0.25% · 3.875%
HK$42,311
−HK$1,297/mo
Today · 4.125%
HK$43,608
baseline
▲ 0.50% · 4.625%
HK$46,261
+HK$2,653/mo
Deposit HK$3.86M · loan HK$9.00M · min. income ≈ HK$87,216/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$482,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,651
−HK$2,466/mo
▼ 0.25% · 3.875%
HK$46,875
−HK$1,242/mo
Today · 4.125%
HK$48,117
baseline
▲ 0.50% · 4.625%
HK$50,653
+HK$2,536/mo
Deposit HK$3.86M · loan HK$9.00M · min. income ≈ HK$96,234/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$482,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,759
−HK$3,308/mo
▼ 0.25% · 3.875%
HK$54,400
−HK$1,667/mo
Today · 4.125%
HK$56,067
baseline
▲ 0.50% · 4.625%
HK$59,479
+HK$3,412/mo
Deposit HK$1.29M · loan HK$11.57M · min. income ≈ HK$112,134/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,694
−HK$3,171/mo
▼ 0.25% · 3.875%
HK$60,268
−HK$1,597/mo
Today · 4.125%
HK$61,865
baseline
▲ 0.50% · 4.625%
HK$65,126
+HK$3,261/mo
Deposit HK$1.29M · loan HK$11.57M · min. income ≈ HK$123,730/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,027 · Scale 2, in force from 26 Feb 2026)