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$29,305
−HK$1,838/mo
▼ 0.25% · 3.875%
HK$30,217
−HK$926/mo
Today · 4.125%
HK$31,143
baseline
▲ 0.50% · 4.625%
HK$33,038
+HK$1,895/mo
Deposit HK$6.43M · loan HK$6.43M · min. income ≈ HK$62,286/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$481,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,602
−HK$1,761/mo
▼ 0.25% · 3.875%
HK$33,476
−HK$887/mo
Today · 4.125%
HK$34,363
baseline
▲ 0.50% · 4.625%
HK$36,174
+HK$1,811/mo
Deposit HK$6.43M · loan HK$6.43M · min. income ≈ HK$68,726/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$481,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,166
−HK$2,205/mo
▼ 0.25% · 3.875%
HK$36,260
−HK$1,111/mo
Today · 4.125%
HK$37,371
baseline
▲ 0.50% · 4.625%
HK$39,645
+HK$2,274/mo
Deposit HK$5.14M · loan HK$7.71M · min. income ≈ HK$74,742/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$481,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,122
−HK$2,114/mo
▼ 0.25% · 3.875%
HK$40,171
−HK$1,065/mo
Today · 4.125%
HK$41,236
baseline
▲ 0.50% · 4.625%
HK$43,409
+HK$2,173/mo
Deposit HK$5.14M · loan HK$7.71M · min. income ≈ HK$82,472/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$481,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,027
−HK$2,573/mo
▼ 0.25% · 3.875%
HK$42,303
−HK$1,297/mo
Today · 4.125%
HK$43,600
baseline
▲ 0.50% · 4.625%
HK$46,253
+HK$2,653/mo
Deposit HK$3.86M · loan HK$9.00M · min. income ≈ HK$87,200/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$481,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,642
−HK$2,466/mo
▼ 0.25% · 3.875%
HK$46,867
−HK$1,241/mo
Today · 4.125%
HK$48,108
baseline
▲ 0.50% · 4.625%
HK$50,644
+HK$2,536/mo
Deposit HK$3.86M · loan HK$9.00M · min. income ≈ HK$96,216/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$481,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,749
−HK$3,308/mo
▼ 0.25% · 3.875%
HK$54,390
−HK$1,667/mo
Today · 4.125%
HK$56,057
baseline
▲ 0.50% · 4.625%
HK$59,468
+HK$3,411/mo
Deposit HK$1.29M · loan HK$11.57M · min. income ≈ HK$112,114/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$481,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,683
−HK$3,171/mo
▼ 0.25% · 3.875%
HK$60,257
−HK$1,597/mo
Today · 4.125%
HK$61,854
baseline
▲ 0.50% · 4.625%
HK$65,114
+HK$3,260/mo
Deposit HK$1.29M · loan HK$11.57M · min. income ≈ HK$123,708/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$481,939 · Scale 2, in force from 26 Feb 2026)