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$29,324
−HK$1,839/mo
▼ 0.25% · 3.875%
HK$30,236
−HK$927/mo
Today · 4.125%
HK$31,163
baseline
▲ 0.50% · 4.625%
HK$33,059
+HK$1,896/mo
Deposit HK$6.43M · loan HK$6.43M · min. income ≈ HK$62,326/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$482,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,623
−HK$1,762/mo
▼ 0.25% · 3.875%
HK$33,498
−HK$887/mo
Today · 4.125%
HK$34,385
baseline
▲ 0.50% · 4.625%
HK$36,198
+HK$1,813/mo
Deposit HK$6.43M · loan HK$6.43M · min. income ≈ HK$68,770/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$482,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,189
−HK$2,207/mo
▼ 0.25% · 3.875%
HK$36,284
−HK$1,112/mo
Today · 4.125%
HK$37,396
baseline
▲ 0.50% · 4.625%
HK$39,671
+HK$2,275/mo
Deposit HK$5.14M · loan HK$7.72M · min. income ≈ HK$74,792/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$482,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,147
−HK$2,115/mo
▼ 0.25% · 3.875%
HK$40,197
−HK$1,065/mo
Today · 4.125%
HK$41,262
baseline
▲ 0.50% · 4.625%
HK$43,437
+HK$2,175/mo
Deposit HK$5.14M · loan HK$7.72M · min. income ≈ HK$82,524/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$482,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,054
−HK$2,574/mo
▼ 0.25% · 3.875%
HK$42,331
−HK$1,297/mo
Today · 4.125%
HK$43,628
baseline
▲ 0.50% · 4.625%
HK$46,283
+HK$2,655/mo
Deposit HK$3.86M · loan HK$9.00M · min. income ≈ HK$87,256/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$482,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,672
−HK$2,468/mo
▼ 0.25% · 3.875%
HK$46,897
−HK$1,243/mo
Today · 4.125%
HK$48,140
baseline
▲ 0.50% · 4.625%
HK$50,677
+HK$2,537/mo
Deposit HK$3.86M · loan HK$9.00M · min. income ≈ HK$96,280/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$482,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,784
−HK$3,310/mo
▼ 0.25% · 3.875%
HK$54,425
−HK$1,669/mo
Today · 4.125%
HK$56,094
baseline
▲ 0.50% · 4.625%
HK$59,507
+HK$3,413/mo
Deposit HK$1.29M · loan HK$11.57M · min. income ≈ HK$112,188/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,721
−HK$3,173/mo
▼ 0.25% · 3.875%
HK$60,296
−HK$1,598/mo
Today · 4.125%
HK$61,894
baseline
▲ 0.50% · 4.625%
HK$65,156
+HK$3,262/mo
Deposit HK$1.29M · loan HK$11.57M · min. income ≈ HK$123,788/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,252 · Scale 2, in force from 26 Feb 2026)