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$29,317
−HK$1,839/mo
▼ 0.25% · 3.875%
HK$30,229
−HK$927/mo
Today · 4.125%
HK$31,156
baseline
▲ 0.50% · 4.625%
HK$33,052
+HK$1,896/mo
Deposit HK$6.43M · loan HK$6.43M · min. income ≈ HK$62,312/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$482,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,615
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$33,490
−HK$888/mo
Today · 4.125%
HK$34,378
baseline
▲ 0.50% · 4.625%
HK$36,190
+HK$1,812/mo
Deposit HK$6.43M · loan HK$6.43M · min. income ≈ HK$68,756/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$482,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,181
−HK$2,206/mo
▼ 0.25% · 3.875%
HK$36,275
−HK$1,112/mo
Today · 4.125%
HK$37,387
baseline
▲ 0.50% · 4.625%
HK$39,662
+HK$2,275/mo
Deposit HK$5.14M · loan HK$7.71M · min. income ≈ HK$74,774/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$482,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,138
−HK$2,115/mo
▼ 0.25% · 3.875%
HK$40,188
−HK$1,065/mo
Today · 4.125%
HK$41,253
baseline
▲ 0.50% · 4.625%
HK$43,428
+HK$2,175/mo
Deposit HK$5.14M · loan HK$7.71M · min. income ≈ HK$82,506/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$482,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,044
−HK$2,574/mo
▼ 0.25% · 3.875%
HK$42,321
−HK$1,297/mo
Today · 4.125%
HK$43,618
baseline
▲ 0.50% · 4.625%
HK$46,272
+HK$2,654/mo
Deposit HK$3.86M · loan HK$9.00M · min. income ≈ HK$87,236/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$482,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,662
−HK$2,467/mo
▼ 0.25% · 3.875%
HK$46,886
−HK$1,243/mo
Today · 4.125%
HK$48,129
baseline
▲ 0.50% · 4.625%
HK$50,665
+HK$2,536/mo
Deposit HK$3.86M · loan HK$9.00M · min. income ≈ HK$96,258/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$482,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,771
−HK$3,310/mo
▼ 0.25% · 3.875%
HK$54,413
−HK$1,668/mo
Today · 4.125%
HK$56,081
baseline
▲ 0.50% · 4.625%
HK$59,493
+HK$3,412/mo
Deposit HK$1.29M · loan HK$11.57M · min. income ≈ HK$112,162/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,708
−HK$3,172/mo
▼ 0.25% · 3.875%
HK$60,282
−HK$1,598/mo
Today · 4.125%
HK$61,880
baseline
▲ 0.50% · 4.625%
HK$65,141
+HK$3,261/mo
Deposit HK$1.29M · loan HK$11.57M · min. income ≈ HK$123,760/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,142 · Scale 2, in force from 26 Feb 2026)