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$29,360
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$30,274
−HK$927/mo
Today · 4.125%
HK$31,201
baseline
▲ 0.50% · 4.625%
HK$33,100
+HK$1,899/mo
Deposit HK$6.44M · loan HK$6.44M · min. income ≈ HK$62,402/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$482,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,663
−HK$1,765/mo
▼ 0.25% · 3.875%
HK$33,539
−HK$889/mo
Today · 4.125%
HK$34,428
baseline
▲ 0.50% · 4.625%
HK$36,242
+HK$1,814/mo
Deposit HK$6.44M · loan HK$6.44M · min. income ≈ HK$68,856/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$482,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,232
−HK$2,210/mo
▼ 0.25% · 3.875%
HK$36,328
−HK$1,114/mo
Today · 4.125%
HK$37,442
baseline
▲ 0.50% · 4.625%
HK$39,720
+HK$2,278/mo
Deposit HK$5.15M · loan HK$7.73M · min. income ≈ HK$74,884/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$482,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,196
−HK$2,117/mo
▼ 0.25% · 3.875%
HK$40,247
−HK$1,066/mo
Today · 4.125%
HK$41,313
baseline
▲ 0.50% · 4.625%
HK$43,491
+HK$2,178/mo
Deposit HK$5.15M · loan HK$7.73M · min. income ≈ HK$82,626/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$482,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,104
−HK$2,578/mo
▼ 0.25% · 3.875%
HK$42,383
−HK$1,299/mo
Today · 4.125%
HK$43,682
baseline
▲ 0.50% · 4.625%
HK$46,340
+HK$2,658/mo
Deposit HK$3.86M · loan HK$9.01M · min. income ≈ HK$87,364/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$482,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,728
−HK$2,471/mo
▼ 0.25% · 3.875%
HK$46,955
−HK$1,244/mo
Today · 4.125%
HK$48,199
baseline
▲ 0.50% · 4.625%
HK$50,739
+HK$2,540/mo
Deposit HK$3.86M · loan HK$9.01M · min. income ≈ HK$96,398/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$482,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,848
−HK$3,315/mo
▼ 0.25% · 3.875%
HK$54,492
−HK$1,671/mo
Today · 4.125%
HK$56,163
baseline
▲ 0.50% · 4.625%
HK$59,580
+HK$3,417/mo
Deposit HK$1.29M · loan HK$11.59M · min. income ≈ HK$112,326/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,793
−HK$3,177/mo
▼ 0.25% · 3.875%
HK$60,370
−HK$1,600/mo
Today · 4.125%
HK$61,970
baseline
▲ 0.50% · 4.625%
HK$65,236
+HK$3,266/mo
Deposit HK$1.29M · loan HK$11.59M · min. income ≈ HK$123,940/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,845 · Scale 2, in force from 26 Feb 2026)