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$29,329
−HK$1,839/mo
▼ 0.25% · 3.875%
HK$30,241
−HK$927/mo
Today · 4.125%
HK$31,168
baseline
▲ 0.50% · 4.625%
HK$33,064
+HK$1,896/mo
Deposit HK$6.43M · loan HK$6.43M · min. income ≈ HK$62,336/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$482,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,628
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$33,503
−HK$888/mo
Today · 4.125%
HK$34,391
baseline
▲ 0.50% · 4.625%
HK$36,204
+HK$1,813/mo
Deposit HK$6.43M · loan HK$6.43M · min. income ≈ HK$68,782/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$482,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,194
−HK$2,207/mo
▼ 0.25% · 3.875%
HK$36,289
−HK$1,112/mo
Today · 4.125%
HK$37,401
baseline
▲ 0.50% · 4.625%
HK$39,677
+HK$2,276/mo
Deposit HK$5.14M · loan HK$7.72M · min. income ≈ HK$74,802/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$482,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,154
−HK$2,115/mo
▼ 0.25% · 3.875%
HK$40,204
−HK$1,065/mo
Today · 4.125%
HK$41,269
baseline
▲ 0.50% · 4.625%
HK$43,444
+HK$2,175/mo
Deposit HK$5.14M · loan HK$7.72M · min. income ≈ HK$82,538/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$482,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,060
−HK$2,575/mo
▼ 0.25% · 3.875%
HK$42,337
−HK$1,298/mo
Today · 4.125%
HK$43,635
baseline
▲ 0.50% · 4.625%
HK$46,290
+HK$2,655/mo
Deposit HK$3.86M · loan HK$9.00M · min. income ≈ HK$87,270/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$482,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,679
−HK$2,468/mo
▼ 0.25% · 3.875%
HK$46,904
−HK$1,243/mo
Today · 4.125%
HK$48,147
baseline
▲ 0.50% · 4.625%
HK$50,685
+HK$2,538/mo
Deposit HK$3.86M · loan HK$9.00M · min. income ≈ HK$96,294/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$482,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,792
−HK$3,310/mo
▼ 0.25% · 3.875%
HK$54,434
−HK$1,668/mo
Today · 4.125%
HK$56,102
baseline
▲ 0.50% · 4.625%
HK$59,516
+HK$3,414/mo
Deposit HK$1.29M · loan HK$11.58M · min. income ≈ HK$112,204/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,730
−HK$3,173/mo
▼ 0.25% · 3.875%
HK$60,305
−HK$1,598/mo
Today · 4.125%
HK$61,903
baseline
▲ 0.50% · 4.625%
HK$65,166
+HK$3,263/mo
Deposit HK$1.29M · loan HK$11.58M · min. income ≈ HK$123,806/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,327 · Scale 2, in force from 26 Feb 2026)