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$29,309
−HK$1,838/mo
▼ 0.25% · 3.875%
HK$30,221
−HK$926/mo
Today · 4.125%
HK$31,147
baseline
▲ 0.50% · 4.625%
HK$33,042
+HK$1,895/mo
Deposit HK$6.43M · loan HK$6.43M · min. income ≈ HK$62,294/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$482,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,606
−HK$1,762/mo
▼ 0.25% · 3.875%
HK$33,481
−HK$887/mo
Today · 4.125%
HK$34,368
baseline
▲ 0.50% · 4.625%
HK$36,179
+HK$1,811/mo
Deposit HK$6.43M · loan HK$6.43M · min. income ≈ HK$68,736/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$482,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,171
−HK$2,206/mo
▼ 0.25% · 3.875%
HK$36,265
−HK$1,112/mo
Today · 4.125%
HK$37,377
baseline
▲ 0.50% · 4.625%
HK$39,651
+HK$2,274/mo
Deposit HK$5.14M · loan HK$7.71M · min. income ≈ HK$74,754/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$482,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,127
−HK$2,114/mo
▼ 0.25% · 3.875%
HK$40,177
−HK$1,064/mo
Today · 4.125%
HK$41,241
baseline
▲ 0.50% · 4.625%
HK$43,415
+HK$2,174/mo
Deposit HK$5.14M · loan HK$7.71M · min. income ≈ HK$82,482/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$482,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,033
−HK$2,573/mo
▼ 0.25% · 3.875%
HK$42,309
−HK$1,297/mo
Today · 4.125%
HK$43,606
baseline
▲ 0.50% · 4.625%
HK$46,259
+HK$2,653/mo
Deposit HK$3.86M · loan HK$9.00M · min. income ≈ HK$87,212/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$482,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,649
−HK$2,466/mo
▼ 0.25% · 3.875%
HK$46,873
−HK$1,242/mo
Today · 4.125%
HK$48,115
baseline
▲ 0.50% · 4.625%
HK$50,651
+HK$2,536/mo
Deposit HK$3.86M · loan HK$9.00M · min. income ≈ HK$96,230/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$482,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,757
−HK$3,308/mo
▼ 0.25% · 3.875%
HK$54,398
−HK$1,667/mo
Today · 4.125%
HK$56,065
baseline
▲ 0.50% · 4.625%
HK$59,476
+HK$3,411/mo
Deposit HK$1.29M · loan HK$11.57M · min. income ≈ HK$112,130/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,691
−HK$3,171/mo
▼ 0.25% · 3.875%
HK$60,265
−HK$1,597/mo
Today · 4.125%
HK$61,862
baseline
▲ 0.50% · 4.625%
HK$65,123
+HK$3,261/mo
Deposit HK$1.29M · loan HK$11.57M · min. income ≈ HK$123,724/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,006 · Scale 2, in force from 26 Feb 2026)