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$29,348
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$30,261
−HK$928/mo
Today · 4.125%
HK$31,189
baseline
▲ 0.50% · 4.625%
HK$33,086
+HK$1,897/mo
Deposit HK$6.44M · loan HK$6.44M · min. income ≈ HK$62,378/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$482,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,650
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$33,525
−HK$889/mo
Today · 4.125%
HK$34,414
baseline
▲ 0.50% · 4.625%
HK$36,228
+HK$1,814/mo
Deposit HK$6.44M · loan HK$6.44M · min. income ≈ HK$68,828/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$482,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,218
−HK$2,208/mo
▼ 0.25% · 3.875%
HK$36,313
−HK$1,113/mo
Today · 4.125%
HK$37,426
baseline
▲ 0.50% · 4.625%
HK$39,704
+HK$2,278/mo
Deposit HK$5.15M · loan HK$7.72M · min. income ≈ HK$74,852/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$482,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,180
−HK$2,116/mo
▼ 0.25% · 3.875%
HK$40,230
−HK$1,066/mo
Today · 4.125%
HK$41,296
baseline
▲ 0.50% · 4.625%
HK$43,473
+HK$2,177/mo
Deposit HK$5.15M · loan HK$7.72M · min. income ≈ HK$82,592/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$482,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,088
−HK$2,576/mo
▼ 0.25% · 3.875%
HK$42,366
−HK$1,298/mo
Today · 4.125%
HK$43,664
baseline
▲ 0.50% · 4.625%
HK$46,321
+HK$2,657/mo
Deposit HK$3.86M · loan HK$9.01M · min. income ≈ HK$87,328/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$482,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,710
−HK$2,469/mo
▼ 0.25% · 3.875%
HK$46,935
−HK$1,244/mo
Today · 4.125%
HK$48,179
baseline
▲ 0.50% · 4.625%
HK$50,719
+HK$2,540/mo
Deposit HK$3.86M · loan HK$9.01M · min. income ≈ HK$96,358/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$482,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,827
−HK$3,313/mo
▼ 0.25% · 3.875%
HK$54,470
−HK$1,670/mo
Today · 4.125%
HK$56,140
baseline
▲ 0.50% · 4.625%
HK$59,556
+HK$3,416/mo
Deposit HK$1.29M · loan HK$11.58M · min. income ≈ HK$112,280/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,769
−HK$3,176/mo
▼ 0.25% · 3.875%
HK$60,346
−HK$1,599/mo
Today · 4.125%
HK$61,945
baseline
▲ 0.50% · 4.625%
HK$65,210
+HK$3,265/mo
Deposit HK$1.29M · loan HK$11.58M · min. income ≈ HK$123,890/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,648 · Scale 2, in force from 26 Feb 2026)