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$29,327
−HK$1,839/mo
▼ 0.25% · 3.875%
HK$30,239
−HK$927/mo
Today · 4.125%
HK$31,166
baseline
▲ 0.50% · 4.625%
HK$33,062
+HK$1,896/mo
Deposit HK$6.43M · loan HK$6.43M · min. income ≈ HK$62,332/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$482,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,626
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$33,501
−HK$888/mo
Today · 4.125%
HK$34,389
baseline
▲ 0.50% · 4.625%
HK$36,201
+HK$1,812/mo
Deposit HK$6.43M · loan HK$6.43M · min. income ≈ HK$68,778/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$482,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,192
−HK$2,207/mo
▼ 0.25% · 3.875%
HK$36,287
−HK$1,112/mo
Today · 4.125%
HK$37,399
baseline
▲ 0.50% · 4.625%
HK$39,675
+HK$2,276/mo
Deposit HK$5.14M · loan HK$7.72M · min. income ≈ HK$74,798/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$482,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,151
−HK$2,115/mo
▼ 0.25% · 3.875%
HK$40,201
−HK$1,065/mo
Today · 4.125%
HK$41,266
baseline
▲ 0.50% · 4.625%
HK$43,442
+HK$2,176/mo
Deposit HK$5.14M · loan HK$7.72M · min. income ≈ HK$82,532/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$482,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,058
−HK$2,574/mo
▼ 0.25% · 3.875%
HK$42,335
−HK$1,297/mo
Today · 4.125%
HK$43,632
baseline
▲ 0.50% · 4.625%
HK$46,287
+HK$2,655/mo
Deposit HK$3.86M · loan HK$9.00M · min. income ≈ HK$87,264/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$482,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,676
−HK$2,468/mo
▼ 0.25% · 3.875%
HK$46,901
−HK$1,243/mo
Today · 4.125%
HK$48,144
baseline
▲ 0.50% · 4.625%
HK$50,682
+HK$2,538/mo
Deposit HK$3.86M · loan HK$9.00M · min. income ≈ HK$96,288/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$482,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,789
−HK$3,310/mo
▼ 0.25% · 3.875%
HK$54,431
−HK$1,668/mo
Today · 4.125%
HK$56,099
baseline
▲ 0.50% · 4.625%
HK$59,512
+HK$3,413/mo
Deposit HK$1.29M · loan HK$11.58M · min. income ≈ HK$112,198/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,727
−HK$3,173/mo
▼ 0.25% · 3.875%
HK$60,302
−HK$1,598/mo
Today · 4.125%
HK$61,900
baseline
▲ 0.50% · 4.625%
HK$65,162
+HK$3,262/mo
Deposit HK$1.29M · loan HK$11.58M · min. income ≈ HK$123,800/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,298 · Scale 2, in force from 26 Feb 2026)