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$30,234
−HK$927/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$482,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,620
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$33,495
−HK$888/mo
Today · 4.125%
HK$34,383
baseline
▲ 0.50% · 4.625%
HK$36,195
+HK$1,812/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$482,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,186
−HK$2,207/mo
▼ 0.25% · 3.875%
HK$36,281
−HK$1,112/mo
Today · 4.125%
HK$37,393
baseline
▲ 0.50% · 4.625%
HK$39,668
+HK$2,275/mo
Deposit HK$5.14M · loan HK$7.72M · min. income ≈ HK$74,786/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$482,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,144
−HK$2,115/mo
▼ 0.25% · 3.875%
HK$40,194
−HK$1,065/mo
Today · 4.125%
HK$41,259
baseline
▲ 0.50% · 4.625%
HK$43,434
+HK$2,175/mo
Deposit HK$5.14M · loan HK$7.72M · min. income ≈ HK$82,518/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$482,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,051
−HK$2,574/mo
▼ 0.25% · 3.875%
HK$42,327
−HK$1,298/mo
Today · 4.125%
HK$43,625
baseline
▲ 0.50% · 4.625%
HK$46,279
+HK$2,654/mo
Deposit HK$3.86M · loan HK$9.00M · min. income ≈ HK$87,250/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$482,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,668
−HK$2,468/mo
▼ 0.25% · 3.875%
HK$46,893
−HK$1,243/mo
Today · 4.125%
HK$48,136
baseline
▲ 0.50% · 4.625%
HK$50,673
+HK$2,537/mo
Deposit HK$3.86M · loan HK$9.00M · min. income ≈ HK$96,272/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$482,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,779
−HK$3,310/mo
▼ 0.25% · 3.875%
HK$54,421
−HK$1,668/mo
Today · 4.125%
HK$56,089
baseline
▲ 0.50% · 4.625%
HK$59,502
+HK$3,413/mo
Deposit HK$1.29M · loan HK$11.57M · min. income ≈ HK$112,178/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,716
−HK$3,173/mo
▼ 0.25% · 3.875%
HK$60,291
−HK$1,598/mo
Today · 4.125%
HK$61,889
baseline
▲ 0.50% · 4.625%
HK$65,151
+HK$3,262/mo
Deposit HK$1.29M · loan HK$11.57M · min. income ≈ HK$123,778/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,214 · Scale 2, in force from 26 Feb 2026)