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$29,349
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$30,262
−HK$928/mo
Today · 4.125%
HK$31,190
baseline
▲ 0.50% · 4.625%
HK$33,088
+HK$1,898/mo
Deposit HK$6.44M · loan HK$6.44M · min. income ≈ HK$62,380/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$482,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,651
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$33,527
−HK$888/mo
Today · 4.125%
HK$34,415
baseline
▲ 0.50% · 4.625%
HK$36,229
+HK$1,814/mo
Deposit HK$6.44M · loan HK$6.44M · min. income ≈ HK$68,830/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$482,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,219
−HK$2,209/mo
▼ 0.25% · 3.875%
HK$36,315
−HK$1,113/mo
Today · 4.125%
HK$37,428
baseline
▲ 0.50% · 4.625%
HK$39,705
+HK$2,277/mo
Deposit HK$5.15M · loan HK$7.72M · min. income ≈ HK$74,856/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$482,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,181
−HK$2,117/mo
▼ 0.25% · 3.875%
HK$40,232
−HK$1,066/mo
Today · 4.125%
HK$41,298
baseline
▲ 0.50% · 4.625%
HK$43,475
+HK$2,177/mo
Deposit HK$5.15M · loan HK$7.72M · min. income ≈ HK$82,596/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$482,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,089
−HK$2,577/mo
▼ 0.25% · 3.875%
HK$42,367
−HK$1,299/mo
Today · 4.125%
HK$43,666
baseline
▲ 0.50% · 4.625%
HK$46,323
+HK$2,657/mo
Deposit HK$3.86M · loan HK$9.01M · min. income ≈ HK$87,332/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$482,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,711
−HK$2,470/mo
▼ 0.25% · 3.875%
HK$46,937
−HK$1,244/mo
Today · 4.125%
HK$48,181
baseline
▲ 0.50% · 4.625%
HK$50,721
+HK$2,540/mo
Deposit HK$3.86M · loan HK$9.01M · min. income ≈ HK$96,362/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$482,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,829
−HK$3,313/mo
▼ 0.25% · 3.875%
HK$54,472
−HK$1,670/mo
Today · 4.125%
HK$56,142
baseline
▲ 0.50% · 4.625%
HK$59,558
+HK$3,416/mo
Deposit HK$1.29M · loan HK$11.58M · min. income ≈ HK$112,284/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,772
−HK$3,175/mo
▼ 0.25% · 3.875%
HK$60,348
−HK$1,599/mo
Today · 4.125%
HK$61,947
baseline
▲ 0.50% · 4.625%
HK$65,212
+HK$3,265/mo
Deposit HK$1.29M · loan HK$11.58M · min. income ≈ HK$123,894/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,668 · Scale 2, in force from 26 Feb 2026)