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$1,842/mo
▼ 0.25% · 3.875%
HK$30,274
−HK$928/mo
Today · 4.125%
HK$31,202
baseline
▲ 0.50% · 4.625%
HK$33,100
+HK$1,898/mo
Deposit HK$6.44M · loan HK$6.44M · min. income ≈ HK$62,404/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$482,849 · 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$36,243
+HK$1,815/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$482,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,233
−HK$2,209/mo
▼ 0.25% · 3.875%
HK$36,329
−HK$1,113/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$482,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,196
−HK$2,118/mo
▼ 0.25% · 3.875%
HK$40,247
−HK$1,067/mo
Today · 4.125%
HK$41,314
baseline
▲ 0.50% · 4.625%
HK$43,491
+HK$2,177/mo
Deposit HK$5.15M · loan HK$7.73M · min. income ≈ HK$82,628/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$482,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,105
−HK$2,577/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$482,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,729
−HK$2,470/mo
▼ 0.25% · 3.875%
HK$46,955
−HK$1,244/mo
Today · 4.125%
HK$48,199
baseline
▲ 0.50% · 4.625%
HK$50,740
+HK$2,541/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$482,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,849
−HK$3,314/mo
▼ 0.25% · 3.875%
HK$54,493
−HK$1,670/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$482,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,794
−HK$3,176/mo
▼ 0.25% · 3.875%
HK$60,371
−HK$1,599/mo
Today · 4.125%
HK$61,970
baseline
▲ 0.50% · 4.625%
HK$65,237
+HK$3,267/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$482,849 · Scale 2, in force from 26 Feb 2026)