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$29,322
−HK$1,839/mo
▼ 0.25% · 3.875%
HK$30,235
−HK$926/mo
Today · 4.125%
HK$31,161
baseline
▲ 0.50% · 4.625%
HK$33,057
+HK$1,896/mo
Deposit HK$6.43M · loan HK$6.43M · min. income ≈ HK$62,322/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$482,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,621
−HK$1,762/mo
▼ 0.25% · 3.875%
HK$33,496
−HK$887/mo
Today · 4.125%
HK$34,383
baseline
▲ 0.50% · 4.625%
HK$36,196
+HK$1,813/mo
Deposit HK$6.43M · loan HK$6.43M · min. income ≈ HK$68,766/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$482,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,187
−HK$2,207/mo
▼ 0.25% · 3.875%
HK$36,281
−HK$1,113/mo
Today · 4.125%
HK$37,394
baseline
▲ 0.50% · 4.625%
HK$39,669
+HK$2,275/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$482,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,145
−HK$2,115/mo
▼ 0.25% · 3.875%
HK$40,195
−HK$1,065/mo
Today · 4.125%
HK$41,260
baseline
▲ 0.50% · 4.625%
HK$43,435
+HK$2,175/mo
Deposit HK$5.14M · loan HK$7.72M · min. income ≈ HK$82,520/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$482,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,051
−HK$2,575/mo
▼ 0.25% · 3.875%
HK$42,328
−HK$1,298/mo
Today · 4.125%
HK$43,626
baseline
▲ 0.50% · 4.625%
HK$46,280
+HK$2,654/mo
Deposit HK$3.86M · loan HK$9.00M · min. income ≈ HK$87,252/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$482,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,669
−HK$2,468/mo
▼ 0.25% · 3.875%
HK$46,894
−HK$1,243/mo
Today · 4.125%
HK$48,137
baseline
▲ 0.50% · 4.625%
HK$50,674
+HK$2,537/mo
Deposit HK$3.86M · loan HK$9.00M · min. income ≈ HK$96,274/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$482,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,780
−HK$3,310/mo
▼ 0.25% · 3.875%
HK$54,422
−HK$1,668/mo
Today · 4.125%
HK$56,090
baseline
▲ 0.50% · 4.625%
HK$59,503
+HK$3,413/mo
Deposit HK$1.29M · loan HK$11.57M · min. income ≈ HK$112,180/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,718
−HK$3,172/mo
▼ 0.25% · 3.875%
HK$60,293
−HK$1,597/mo
Today · 4.125%
HK$61,890
baseline
▲ 0.50% · 4.625%
HK$65,152
+HK$3,262/mo
Deposit HK$1.29M · loan HK$11.57M · min. income ≈ HK$123,780/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,224 · Scale 2, in force from 26 Feb 2026)