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$29,363
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$30,276
−HK$928/mo
Today · 4.125%
HK$31,204
baseline
▲ 0.50% · 4.625%
HK$33,103
+HK$1,899/mo
Deposit HK$6.44M · loan HK$6.44M · min. income ≈ HK$62,408/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$482,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,666
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$33,542
−HK$888/mo
Today · 4.125%
HK$34,430
baseline
▲ 0.50% · 4.625%
HK$36,245
+HK$1,815/mo
Deposit HK$6.44M · loan HK$6.44M · min. income ≈ HK$68,860/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$482,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,235
−HK$2,210/mo
▼ 0.25% · 3.875%
HK$36,331
−HK$1,114/mo
Today · 4.125%
HK$37,445
baseline
▲ 0.50% · 4.625%
HK$39,723
+HK$2,278/mo
Deposit HK$5.15M · loan HK$7.73M · min. income ≈ HK$74,890/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$482,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,199
−HK$2,118/mo
▼ 0.25% · 3.875%
HK$40,250
−HK$1,067/mo
Today · 4.125%
HK$41,317
baseline
▲ 0.50% · 4.625%
HK$43,494
+HK$2,177/mo
Deposit HK$5.15M · loan HK$7.73M · min. income ≈ HK$82,634/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$482,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,108
−HK$2,578/mo
▼ 0.25% · 3.875%
HK$42,386
−HK$1,300/mo
Today · 4.125%
HK$43,686
baseline
▲ 0.50% · 4.625%
HK$46,344
+HK$2,658/mo
Deposit HK$3.86M · loan HK$9.01M · min. income ≈ HK$87,372/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$482,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,732
−HK$2,471/mo
▼ 0.25% · 3.875%
HK$46,958
−HK$1,245/mo
Today · 4.125%
HK$48,203
baseline
▲ 0.50% · 4.625%
HK$50,743
+HK$2,540/mo
Deposit HK$3.86M · loan HK$9.01M · min. income ≈ HK$96,406/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$482,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,853
−HK$3,314/mo
▼ 0.25% · 3.875%
HK$54,497
−HK$1,670/mo
Today · 4.125%
HK$56,167
baseline
▲ 0.50% · 4.625%
HK$59,585
+HK$3,418/mo
Deposit HK$1.29M · loan HK$11.59M · min. income ≈ HK$112,334/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,798
−HK$3,177/mo
▼ 0.25% · 3.875%
HK$60,375
−HK$1,600/mo
Today · 4.125%
HK$61,975
baseline
▲ 0.50% · 4.625%
HK$65,242
+HK$3,267/mo
Deposit HK$1.29M · loan HK$11.59M · min. income ≈ HK$123,950/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,885 · Scale 2, in force from 26 Feb 2026)