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$29,344
−HK$1,840/mo
▼ 0.25% · 3.875%
HK$30,256
−HK$928/mo
Today · 4.125%
HK$31,184
baseline
▲ 0.50% · 4.625%
HK$33,081
+HK$1,897/mo
Deposit HK$6.43M · loan HK$6.43M · min. income ≈ HK$62,368/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$482,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,645
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$33,520
−HK$888/mo
Today · 4.125%
HK$34,408
baseline
▲ 0.50% · 4.625%
HK$36,222
+HK$1,814/mo
Deposit HK$6.43M · loan HK$6.43M · min. income ≈ HK$68,816/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$482,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,212
−HK$2,209/mo
▼ 0.25% · 3.875%
HK$36,308
−HK$1,113/mo
Today · 4.125%
HK$37,421
baseline
▲ 0.50% · 4.625%
HK$39,697
+HK$2,276/mo
Deposit HK$5.15M · loan HK$7.72M · min. income ≈ HK$74,842/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$482,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,173
−HK$2,117/mo
▼ 0.25% · 3.875%
HK$40,224
−HK$1,066/mo
Today · 4.125%
HK$41,290
baseline
▲ 0.50% · 4.625%
HK$43,466
+HK$2,176/mo
Deposit HK$5.15M · loan HK$7.72M · min. income ≈ HK$82,580/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$482,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,081
−HK$2,576/mo
▼ 0.25% · 3.875%
HK$42,359
−HK$1,298/mo
Today · 4.125%
HK$43,657
baseline
▲ 0.50% · 4.625%
HK$46,314
+HK$2,657/mo
Deposit HK$3.86M · loan HK$9.01M · min. income ≈ HK$87,314/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$482,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,702
−HK$2,470/mo
▼ 0.25% · 3.875%
HK$46,928
−HK$1,244/mo
Today · 4.125%
HK$48,172
baseline
▲ 0.50% · 4.625%
HK$50,711
+HK$2,539/mo
Deposit HK$3.86M · loan HK$9.01M · min. income ≈ HK$96,344/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$482,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,819
−HK$3,312/mo
▼ 0.25% · 3.875%
HK$54,462
−HK$1,669/mo
Today · 4.125%
HK$56,131
baseline
▲ 0.50% · 4.625%
HK$59,546
+HK$3,415/mo
Deposit HK$1.29M · loan HK$11.58M · min. income ≈ HK$112,262/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,760
−HK$3,175/mo
▼ 0.25% · 3.875%
HK$60,336
−HK$1,599/mo
Today · 4.125%
HK$61,935
baseline
▲ 0.50% · 4.625%
HK$65,199
+HK$3,264/mo
Deposit HK$1.29M · loan HK$11.58M · min. income ≈ HK$123,870/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,572 · Scale 2, in force from 26 Feb 2026)