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$29,357
−HK$1,840/mo
▼ 0.25% · 3.875%
HK$30,270
−HK$927/mo
Today · 4.125%
HK$31,197
baseline
▲ 0.50% · 4.625%
HK$33,096
+HK$1,899/mo
Deposit HK$6.44M · loan HK$6.44M · min. income ≈ HK$62,394/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$482,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,659
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$33,535
−HK$888/mo
Today · 4.125%
HK$34,423
baseline
▲ 0.50% · 4.625%
HK$36,238
+HK$1,815/mo
Deposit HK$6.44M · loan HK$6.44M · min. income ≈ HK$68,846/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$482,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,228
−HK$2,209/mo
▼ 0.25% · 3.875%
HK$36,324
−HK$1,113/mo
Today · 4.125%
HK$37,437
baseline
▲ 0.50% · 4.625%
HK$39,715
+HK$2,278/mo
Deposit HK$5.15M · loan HK$7.72M · min. income ≈ HK$74,874/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$482,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,191
−HK$2,117/mo
▼ 0.25% · 3.875%
HK$40,242
−HK$1,066/mo
Today · 4.125%
HK$41,308
baseline
▲ 0.50% · 4.625%
HK$43,485
+HK$2,177/mo
Deposit HK$5.15M · loan HK$7.72M · min. income ≈ HK$82,616/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$482,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,099
−HK$2,577/mo
▼ 0.25% · 3.875%
HK$42,378
−HK$1,298/mo
Today · 4.125%
HK$43,676
baseline
▲ 0.50% · 4.625%
HK$46,334
+HK$2,658/mo
Deposit HK$3.86M · loan HK$9.01M · min. income ≈ HK$87,352/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$482,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,722
−HK$2,471/mo
▼ 0.25% · 3.875%
HK$46,949
−HK$1,244/mo
Today · 4.125%
HK$48,193
baseline
▲ 0.50% · 4.625%
HK$50,733
+HK$2,540/mo
Deposit HK$3.86M · loan HK$9.01M · min. income ≈ HK$96,386/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$482,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,842
−HK$3,313/mo
▼ 0.25% · 3.875%
HK$54,485
−HK$1,670/mo
Today · 4.125%
HK$56,155
baseline
▲ 0.50% · 4.625%
HK$59,572
+HK$3,417/mo
Deposit HK$1.29M · loan HK$11.59M · min. income ≈ HK$112,310/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,786
−HK$3,176/mo
▼ 0.25% · 3.875%
HK$60,362
−HK$1,600/mo
Today · 4.125%
HK$61,962
baseline
▲ 0.50% · 4.625%
HK$65,228
+HK$3,266/mo
Deposit HK$1.29M · loan HK$11.59M · min. income ≈ HK$123,924/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,784 · Scale 2, in force from 26 Feb 2026)