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$29,306
−HK$1,838/mo
▼ 0.25% · 3.875%
HK$30,218
−HK$926/mo
Today · 4.125%
HK$31,144
baseline
▲ 0.50% · 4.625%
HK$33,039
+HK$1,895/mo
Deposit HK$6.43M · loan HK$6.43M · min. income ≈ HK$62,288/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$481,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,603
−HK$1,761/mo
▼ 0.25% · 3.875%
HK$33,477
−HK$887/mo
Today · 4.125%
HK$34,364
baseline
▲ 0.50% · 4.625%
HK$36,176
+HK$1,812/mo
Deposit HK$6.43M · loan HK$6.43M · min. income ≈ HK$68,728/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$481,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,168
−HK$2,205/mo
▼ 0.25% · 3.875%
HK$36,261
−HK$1,112/mo
Today · 4.125%
HK$37,373
baseline
▲ 0.50% · 4.625%
HK$39,647
+HK$2,274/mo
Deposit HK$5.14M · loan HK$7.71M · min. income ≈ HK$74,746/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$481,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,124
−HK$2,113/mo
▼ 0.25% · 3.875%
HK$40,173
−HK$1,064/mo
Today · 4.125%
HK$41,237
baseline
▲ 0.50% · 4.625%
HK$43,411
+HK$2,174/mo
Deposit HK$5.14M · loan HK$7.71M · min. income ≈ HK$82,474/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$481,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,029
−HK$2,573/mo
▼ 0.25% · 3.875%
HK$42,305
−HK$1,297/mo
Today · 4.125%
HK$43,602
baseline
▲ 0.50% · 4.625%
HK$46,255
+HK$2,653/mo
Deposit HK$3.86M · loan HK$9.00M · min. income ≈ HK$87,204/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$481,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,644
−HK$2,466/mo
▼ 0.25% · 3.875%
HK$46,868
−HK$1,242/mo
Today · 4.125%
HK$48,110
baseline
▲ 0.50% · 4.625%
HK$50,646
+HK$2,536/mo
Deposit HK$3.86M · loan HK$9.00M · min. income ≈ HK$96,220/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$481,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,751
−HK$3,308/mo
▼ 0.25% · 3.875%
HK$54,392
−HK$1,667/mo
Today · 4.125%
HK$56,059
baseline
▲ 0.50% · 4.625%
HK$59,470
+HK$3,411/mo
Deposit HK$1.29M · loan HK$11.57M · min. income ≈ HK$112,118/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$481,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,685
−HK$3,171/mo
▼ 0.25% · 3.875%
HK$60,259
−HK$1,597/mo
Today · 4.125%
HK$61,856
baseline
▲ 0.50% · 4.625%
HK$65,116
+HK$3,260/mo
Deposit HK$1.29M · loan HK$11.57M · min. income ≈ HK$123,712/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$481,957 · Scale 2, in force from 26 Feb 2026)