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$1,837/mo
▼ 0.25% · 3.875%
HK$30,216
−HK$926/mo
Today · 4.125%
HK$31,142
baseline
▲ 0.50% · 4.625%
HK$33,037
+HK$1,895/mo
Deposit HK$6.43M · loan HK$6.43M · min. income ≈ HK$62,284/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$481,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,601
−HK$1,762/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$481,932 · 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$481,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,121
−HK$2,114/mo
▼ 0.25% · 3.875%
HK$40,171
−HK$1,064/mo
Today · 4.125%
HK$41,235
baseline
▲ 0.50% · 4.625%
HK$43,409
+HK$2,174/mo
Deposit HK$5.14M · loan HK$7.71M · min. income ≈ HK$82,470/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$481,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,027
−HK$2,572/mo
▼ 0.25% · 3.875%
HK$42,303
−HK$1,296/mo
Today · 4.125%
HK$43,599
baseline
▲ 0.50% · 4.625%
HK$46,252
+HK$2,653/mo
Deposit HK$3.86M · loan HK$9.00M · min. income ≈ HK$87,198/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$481,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,642
−HK$2,466/mo
▼ 0.25% · 3.875%
HK$46,866
−HK$1,242/mo
Today · 4.125%
HK$48,108
baseline
▲ 0.50% · 4.625%
HK$50,643
+HK$2,535/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$481,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,748
−HK$3,308/mo
▼ 0.25% · 3.875%
HK$54,389
−HK$1,667/mo
Today · 4.125%
HK$56,056
baseline
▲ 0.50% · 4.625%
HK$59,467
+HK$3,411/mo
Deposit HK$1.29M · loan HK$11.57M · min. income ≈ HK$112,112/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$481,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,682
−HK$3,171/mo
▼ 0.25% · 3.875%
HK$60,256
−HK$1,597/mo
Today · 4.125%
HK$61,853
baseline
▲ 0.50% · 4.625%
HK$65,113
+HK$3,260/mo
Deposit HK$1.29M · loan HK$11.57M · min. income ≈ HK$123,706/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$481,932 · Scale 2, in force from 26 Feb 2026)