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$29,358
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$30,271
−HK$928/mo
Today · 4.125%
HK$31,199
baseline
▲ 0.50% · 4.625%
HK$33,097
+HK$1,898/mo
Deposit HK$6.44M · loan HK$6.44M · min. income ≈ HK$62,398/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$482,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,660
−HK$1,765/mo
▼ 0.25% · 3.875%
HK$33,536
−HK$889/mo
Today · 4.125%
HK$34,425
baseline
▲ 0.50% · 4.625%
HK$36,239
+HK$1,814/mo
Deposit HK$6.44M · loan HK$6.44M · min. income ≈ HK$68,850/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$482,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,229
−HK$2,210/mo
▼ 0.25% · 3.875%
HK$36,325
−HK$1,114/mo
Today · 4.125%
HK$37,439
baseline
▲ 0.50% · 4.625%
HK$39,717
+HK$2,278/mo
Deposit HK$5.15M · loan HK$7.72M · min. income ≈ HK$74,878/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$482,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,192
−HK$2,118/mo
▼ 0.25% · 3.875%
HK$40,244
−HK$1,066/mo
Today · 4.125%
HK$41,310
baseline
▲ 0.50% · 4.625%
HK$43,487
+HK$2,177/mo
Deposit HK$5.15M · loan HK$7.72M · min. income ≈ HK$82,620/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$482,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,101
−HK$2,577/mo
▼ 0.25% · 3.875%
HK$42,380
−HK$1,298/mo
Today · 4.125%
HK$43,678
baseline
▲ 0.50% · 4.625%
HK$46,336
+HK$2,658/mo
Deposit HK$3.86M · loan HK$9.01M · min. income ≈ HK$87,356/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$482,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,725
−HK$2,470/mo
▼ 0.25% · 3.875%
HK$46,951
−HK$1,244/mo
Today · 4.125%
HK$48,195
baseline
▲ 0.50% · 4.625%
HK$50,735
+HK$2,540/mo
Deposit HK$3.86M · loan HK$9.01M · min. income ≈ HK$96,390/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$482,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,844
−HK$3,314/mo
▼ 0.25% · 3.875%
HK$54,488
−HK$1,670/mo
Today · 4.125%
HK$56,158
baseline
▲ 0.50% · 4.625%
HK$59,575
+HK$3,417/mo
Deposit HK$1.29M · loan HK$11.59M · min. income ≈ HK$112,316/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,789
−HK$3,176/mo
▼ 0.25% · 3.875%
HK$60,365
−HK$1,600/mo
Today · 4.125%
HK$61,965
baseline
▲ 0.50% · 4.625%
HK$65,231
+HK$3,266/mo
Deposit HK$1.29M · loan HK$11.59M · min. income ≈ HK$123,930/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,806 · Scale 2, in force from 26 Feb 2026)