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$29,323
−HK$1,839/mo
▼ 0.25% · 3.875%
HK$30,235
−HK$927/mo
Today · 4.125%
HK$31,162
baseline
▲ 0.50% · 4.625%
HK$33,058
+HK$1,896/mo
Deposit HK$6.43M · loan HK$6.43M · min. income ≈ HK$62,324/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$482,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,622
−HK$1,762/mo
▼ 0.25% · 3.875%
HK$33,497
−HK$887/mo
Today · 4.125%
HK$34,384
baseline
▲ 0.50% · 4.625%
HK$36,196
+HK$1,812/mo
Deposit HK$6.43M · loan HK$6.43M · min. income ≈ HK$68,768/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$482,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,188
−HK$2,206/mo
▼ 0.25% · 3.875%
HK$36,282
−HK$1,112/mo
Today · 4.125%
HK$37,394
baseline
▲ 0.50% · 4.625%
HK$39,670
+HK$2,276/mo
Deposit HK$5.14M · loan HK$7.72M · min. income ≈ HK$74,788/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$482,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,146
−HK$2,115/mo
▼ 0.25% · 3.875%
HK$40,196
−HK$1,065/mo
Today · 4.125%
HK$41,261
baseline
▲ 0.50% · 4.625%
HK$43,436
+HK$2,175/mo
Deposit HK$5.14M · loan HK$7.72M · min. income ≈ HK$82,522/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$482,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,052
−HK$2,575/mo
▼ 0.25% · 3.875%
HK$42,329
−HK$1,298/mo
Today · 4.125%
HK$43,627
baseline
▲ 0.50% · 4.625%
HK$46,281
+HK$2,654/mo
Deposit HK$3.86M · loan HK$9.00M · min. income ≈ HK$87,254/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$482,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,670
−HK$2,468/mo
▼ 0.25% · 3.875%
HK$46,895
−HK$1,243/mo
Today · 4.125%
HK$48,138
baseline
▲ 0.50% · 4.625%
HK$50,675
+HK$2,537/mo
Deposit HK$3.86M · loan HK$9.00M · min. income ≈ HK$96,276/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$482,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,782
−HK$3,309/mo
▼ 0.25% · 3.875%
HK$54,423
−HK$1,668/mo
Today · 4.125%
HK$56,091
baseline
▲ 0.50% · 4.625%
HK$59,504
+HK$3,413/mo
Deposit HK$1.29M · loan HK$11.57M · min. income ≈ HK$112,182/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,719
−HK$3,172/mo
▼ 0.25% · 3.875%
HK$60,294
−HK$1,597/mo
Today · 4.125%
HK$61,891
baseline
▲ 0.50% · 4.625%
HK$65,154
+HK$3,263/mo
Deposit HK$1.29M · loan HK$11.57M · min. income ≈ HK$123,782/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,234 · Scale 2, in force from 26 Feb 2026)