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$29,359
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$30,272
−HK$928/mo
Today · 4.125%
HK$31,200
baseline
▲ 0.50% · 4.625%
HK$33,099
+HK$1,899/mo
Deposit HK$6.44M · loan HK$6.44M · min. income ≈ HK$62,400/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$482,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,662
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$33,538
−HK$888/mo
Today · 4.125%
HK$34,426
baseline
▲ 0.50% · 4.625%
HK$36,241
+HK$1,815/mo
Deposit HK$6.44M · loan HK$6.44M · min. income ≈ HK$68,852/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$482,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,231
−HK$2,209/mo
▼ 0.25% · 3.875%
HK$36,327
−HK$1,113/mo
Today · 4.125%
HK$37,440
baseline
▲ 0.50% · 4.625%
HK$39,719
+HK$2,279/mo
Deposit HK$5.15M · loan HK$7.73M · min. income ≈ HK$74,880/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$482,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,194
−HK$2,118/mo
▼ 0.25% · 3.875%
HK$40,245
−HK$1,067/mo
Today · 4.125%
HK$41,312
baseline
▲ 0.50% · 4.625%
HK$43,489
+HK$2,177/mo
Deposit HK$5.15M · loan HK$7.73M · min. income ≈ HK$82,624/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$482,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,103
−HK$2,577/mo
▼ 0.25% · 3.875%
HK$42,381
−HK$1,299/mo
Today · 4.125%
HK$43,680
baseline
▲ 0.50% · 4.625%
HK$46,338
+HK$2,658/mo
Deposit HK$3.86M · loan HK$9.01M · min. income ≈ HK$87,360/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$482,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,727
−HK$2,470/mo
▼ 0.25% · 3.875%
HK$46,953
−HK$1,244/mo
Today · 4.125%
HK$48,197
baseline
▲ 0.50% · 4.625%
HK$50,738
+HK$2,541/mo
Deposit HK$3.86M · loan HK$9.01M · min. income ≈ HK$96,394/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$482,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,847
−HK$3,314/mo
▼ 0.25% · 3.875%
HK$54,490
−HK$1,671/mo
Today · 4.125%
HK$56,161
baseline
▲ 0.50% · 4.625%
HK$59,578
+HK$3,417/mo
Deposit HK$1.29M · loan HK$11.59M · min. income ≈ HK$112,322/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,791
−HK$3,177/mo
▼ 0.25% · 3.875%
HK$60,368
−HK$1,600/mo
Today · 4.125%
HK$61,968
baseline
▲ 0.50% · 4.625%
HK$65,234
+HK$3,266/mo
Deposit HK$1.29M · loan HK$11.59M · min. income ≈ HK$123,936/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,828 · Scale 2, in force from 26 Feb 2026)