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$29,337
−HK$1,839/mo
▼ 0.25% · 3.875%
HK$30,249
−HK$927/mo
Today · 4.125%
HK$31,176
baseline
▲ 0.50% · 4.625%
HK$33,073
+HK$1,897/mo
Deposit HK$6.43M · loan HK$6.43M · min. income ≈ HK$62,352/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$482,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,637
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$33,512
−HK$888/mo
Today · 4.125%
HK$34,400
baseline
▲ 0.50% · 4.625%
HK$36,213
+HK$1,813/mo
Deposit HK$6.43M · loan HK$6.43M · min. income ≈ HK$68,800/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$482,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,204
−HK$2,207/mo
▼ 0.25% · 3.875%
HK$36,299
−HK$1,112/mo
Today · 4.125%
HK$37,411
baseline
▲ 0.50% · 4.625%
HK$39,688
+HK$2,277/mo
Deposit HK$5.15M · loan HK$7.72M · min. income ≈ HK$74,822/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$482,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,164
−HK$2,116/mo
▼ 0.25% · 3.875%
HK$40,214
−HK$1,066/mo
Today · 4.125%
HK$41,280
baseline
▲ 0.50% · 4.625%
HK$43,456
+HK$2,176/mo
Deposit HK$5.15M · loan HK$7.72M · min. income ≈ HK$82,560/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$482,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,071
−HK$2,576/mo
▼ 0.25% · 3.875%
HK$42,349
−HK$1,298/mo
Today · 4.125%
HK$43,647
baseline
▲ 0.50% · 4.625%
HK$46,302
+HK$2,655/mo
Deposit HK$3.86M · loan HK$9.01M · min. income ≈ HK$87,294/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$482,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,691
−HK$2,469/mo
▼ 0.25% · 3.875%
HK$46,917
−HK$1,243/mo
Today · 4.125%
HK$48,160
baseline
▲ 0.50% · 4.625%
HK$50,698
+HK$2,538/mo
Deposit HK$3.86M · loan HK$9.01M · min. income ≈ HK$96,320/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$482,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,806
−HK$3,311/mo
▼ 0.25% · 3.875%
HK$54,448
−HK$1,669/mo
Today · 4.125%
HK$56,117
baseline
▲ 0.50% · 4.625%
HK$59,532
+HK$3,415/mo
Deposit HK$1.29M · loan HK$11.58M · min. income ≈ HK$112,234/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,746
−HK$3,174/mo
▼ 0.25% · 3.875%
HK$60,321
−HK$1,599/mo
Today · 4.125%
HK$61,920
baseline
▲ 0.50% · 4.625%
HK$65,184
+HK$3,264/mo
Deposit HK$1.29M · loan HK$11.58M · min. income ≈ HK$123,840/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,455 · Scale 2, in force from 26 Feb 2026)