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$29,356
−HK$1,840/mo
▼ 0.25% · 3.875%
HK$30,269
−HK$927/mo
Today · 4.125%
HK$31,196
baseline
▲ 0.50% · 4.625%
HK$33,095
+HK$1,899/mo
Deposit HK$6.44M · loan HK$6.44M · min. income ≈ HK$62,392/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$482,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,658
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$33,534
−HK$888/mo
Today · 4.125%
HK$34,422
baseline
▲ 0.50% · 4.625%
HK$36,237
+HK$1,815/mo
Deposit HK$6.44M · loan HK$6.44M · min. income ≈ HK$68,844/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$482,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,227
−HK$2,209/mo
▼ 0.25% · 3.875%
HK$36,322
−HK$1,114/mo
Today · 4.125%
HK$37,436
baseline
▲ 0.50% · 4.625%
HK$39,713
+HK$2,277/mo
Deposit HK$5.15M · loan HK$7.72M · min. income ≈ HK$74,872/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$482,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,189
−HK$2,118/mo
▼ 0.25% · 3.875%
HK$40,240
−HK$1,067/mo
Today · 4.125%
HK$41,307
baseline
▲ 0.50% · 4.625%
HK$43,484
+HK$2,177/mo
Deposit HK$5.15M · loan HK$7.72M · min. income ≈ HK$82,614/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$482,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,098
−HK$2,577/mo
▼ 0.25% · 3.875%
HK$42,376
−HK$1,299/mo
Today · 4.125%
HK$43,675
baseline
▲ 0.50% · 4.625%
HK$46,332
+HK$2,657/mo
Deposit HK$3.86M · loan HK$9.01M · min. income ≈ HK$87,350/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$482,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,721
−HK$2,470/mo
▼ 0.25% · 3.875%
HK$46,947
−HK$1,244/mo
Today · 4.125%
HK$48,191
baseline
▲ 0.50% · 4.625%
HK$50,731
+HK$2,540/mo
Deposit HK$3.86M · loan HK$9.01M · min. income ≈ HK$96,382/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$482,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,840
−HK$3,313/mo
▼ 0.25% · 3.875%
HK$54,484
−HK$1,669/mo
Today · 4.125%
HK$56,153
baseline
▲ 0.50% · 4.625%
HK$59,570
+HK$3,417/mo
Deposit HK$1.29M · loan HK$11.59M · min. income ≈ HK$112,306/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,784
−HK$3,176/mo
▼ 0.25% · 3.875%
HK$60,360
−HK$1,600/mo
Today · 4.125%
HK$61,960
baseline
▲ 0.50% · 4.625%
HK$65,226
+HK$3,266/mo
Deposit HK$1.29M · loan HK$11.59M · min. income ≈ HK$123,920/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,767 · Scale 2, in force from 26 Feb 2026)