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$29,332
−HK$1,840/mo
▼ 0.25% · 3.875%
HK$30,245
−HK$927/mo
Today · 4.125%
HK$31,172
baseline
▲ 0.50% · 4.625%
HK$33,068
+HK$1,896/mo
Deposit HK$6.43M · loan HK$6.43M · min. income ≈ HK$62,344/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$482,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,632
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$33,507
−HK$888/mo
Today · 4.125%
HK$34,395
baseline
▲ 0.50% · 4.625%
HK$36,208
+HK$1,813/mo
Deposit HK$6.43M · loan HK$6.43M · min. income ≈ HK$68,790/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$482,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,199
−HK$2,207/mo
▼ 0.25% · 3.875%
HK$36,294
−HK$1,112/mo
Today · 4.125%
HK$37,406
baseline
▲ 0.50% · 4.625%
HK$39,682
+HK$2,276/mo
Deposit HK$5.15M · loan HK$7.72M · min. income ≈ HK$74,812/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$482,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,158
−HK$2,116/mo
▼ 0.25% · 3.875%
HK$40,208
−HK$1,066/mo
Today · 4.125%
HK$41,274
baseline
▲ 0.50% · 4.625%
HK$43,449
+HK$2,175/mo
Deposit HK$5.15M · loan HK$7.72M · min. income ≈ HK$82,548/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$482,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,065
−HK$2,575/mo
▼ 0.25% · 3.875%
HK$42,342
−HK$1,298/mo
Today · 4.125%
HK$43,640
baseline
▲ 0.50% · 4.625%
HK$46,296
+HK$2,656/mo
Deposit HK$3.86M · loan HK$9.00M · min. income ≈ HK$87,280/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$482,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,685
−HK$2,468/mo
▼ 0.25% · 3.875%
HK$46,910
−HK$1,243/mo
Today · 4.125%
HK$48,153
baseline
▲ 0.50% · 4.625%
HK$50,691
+HK$2,538/mo
Deposit HK$3.86M · loan HK$9.00M · min. income ≈ HK$96,306/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$482,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,798
−HK$3,311/mo
▼ 0.25% · 3.875%
HK$54,440
−HK$1,669/mo
Today · 4.125%
HK$56,109
baseline
▲ 0.50% · 4.625%
HK$59,523
+HK$3,414/mo
Deposit HK$1.29M · loan HK$11.58M · min. income ≈ HK$112,218/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,737
−HK$3,174/mo
▼ 0.25% · 3.875%
HK$60,313
−HK$1,598/mo
Today · 4.125%
HK$61,911
baseline
▲ 0.50% · 4.625%
HK$65,174
+HK$3,263/mo
Deposit HK$1.29M · loan HK$11.58M · min. income ≈ HK$123,822/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,384 · Scale 2, in force from 26 Feb 2026)