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$29,369
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$30,282
−HK$928/mo
Today · 4.125%
HK$31,210
baseline
▲ 0.50% · 4.625%
HK$33,110
+HK$1,900/mo
Deposit HK$6.44M · loan HK$6.44M · min. income ≈ HK$62,420/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$482,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,673
−HK$1,765/mo
▼ 0.25% · 3.875%
HK$33,549
−HK$889/mo
Today · 4.125%
HK$34,438
baseline
▲ 0.50% · 4.625%
HK$36,253
+HK$1,815/mo
Deposit HK$6.44M · loan HK$6.44M · min. income ≈ HK$68,876/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$482,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,243
−HK$2,210/mo
▼ 0.25% · 3.875%
HK$36,339
−HK$1,114/mo
Today · 4.125%
HK$37,453
baseline
▲ 0.50% · 4.625%
HK$39,731
+HK$2,278/mo
Deposit HK$5.15M · loan HK$7.73M · min. income ≈ HK$74,906/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$482,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,207
−HK$2,118/mo
▼ 0.25% · 3.875%
HK$40,259
−HK$1,066/mo
Today · 4.125%
HK$41,325
baseline
▲ 0.50% · 4.625%
HK$43,504
+HK$2,179/mo
Deposit HK$5.15M · loan HK$7.73M · min. income ≈ HK$82,650/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$482,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,116
−HK$2,579/mo
▼ 0.25% · 3.875%
HK$42,395
−HK$1,300/mo
Today · 4.125%
HK$43,695
baseline
▲ 0.50% · 4.625%
HK$46,353
+HK$2,658/mo
Deposit HK$3.86M · loan HK$9.02M · min. income ≈ HK$87,390/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$482,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,742
−HK$2,471/mo
▼ 0.25% · 3.875%
HK$46,968
−HK$1,245/mo
Today · 4.125%
HK$48,213
baseline
▲ 0.50% · 4.625%
HK$50,754
+HK$2,541/mo
Deposit HK$3.86M · loan HK$9.02M · min. income ≈ HK$96,426/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$482,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,864
−HK$3,315/mo
▼ 0.25% · 3.875%
HK$54,508
−HK$1,671/mo
Today · 4.125%
HK$56,179
baseline
▲ 0.50% · 4.625%
HK$59,597
+HK$3,418/mo
Deposit HK$1.29M · loan HK$11.59M · min. income ≈ HK$112,358/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,811
−HK$3,177/mo
▼ 0.25% · 3.875%
HK$60,388
−HK$1,600/mo
Today · 4.125%
HK$61,988
baseline
▲ 0.50% · 4.625%
HK$65,255
+HK$3,267/mo
Deposit HK$1.29M · loan HK$11.59M · min. income ≈ HK$123,976/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,986 · Scale 2, in force from 26 Feb 2026)