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$29,315
−HK$1,838/mo
▼ 0.25% · 3.875%
HK$30,227
−HK$926/mo
Today · 4.125%
HK$31,153
baseline
▲ 0.50% · 4.625%
HK$33,049
+HK$1,896/mo
Deposit HK$6.43M · loan HK$6.43M · min. income ≈ HK$62,306/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$482,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,612
−HK$1,762/mo
▼ 0.25% · 3.875%
HK$33,487
−HK$887/mo
Today · 4.125%
HK$34,374
baseline
▲ 0.50% · 4.625%
HK$36,186
+HK$1,812/mo
Deposit HK$6.43M · loan HK$6.43M · min. income ≈ HK$68,748/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$482,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,178
−HK$2,206/mo
▼ 0.25% · 3.875%
HK$36,272
−HK$1,112/mo
Today · 4.125%
HK$37,384
baseline
▲ 0.50% · 4.625%
HK$39,659
+HK$2,275/mo
Deposit HK$5.14M · loan HK$7.71M · min. income ≈ HK$74,768/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$482,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,135
−HK$2,114/mo
▼ 0.25% · 3.875%
HK$40,185
−HK$1,064/mo
Today · 4.125%
HK$41,249
baseline
▲ 0.50% · 4.625%
HK$43,424
+HK$2,175/mo
Deposit HK$5.14M · loan HK$7.71M · min. income ≈ HK$82,498/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$482,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,041
−HK$2,573/mo
▼ 0.25% · 3.875%
HK$42,317
−HK$1,297/mo
Today · 4.125%
HK$43,614
baseline
▲ 0.50% · 4.625%
HK$46,268
+HK$2,654/mo
Deposit HK$3.86M · loan HK$9.00M · min. income ≈ HK$87,228/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$482,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,657
−HK$2,467/mo
▼ 0.25% · 3.875%
HK$46,882
−HK$1,242/mo
Today · 4.125%
HK$48,124
baseline
▲ 0.50% · 4.625%
HK$50,661
+HK$2,537/mo
Deposit HK$3.86M · loan HK$9.00M · min. income ≈ HK$96,248/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$482,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,767
−HK$3,309/mo
▼ 0.25% · 3.875%
HK$54,408
−HK$1,668/mo
Today · 4.125%
HK$56,076
baseline
▲ 0.50% · 4.625%
HK$59,488
+HK$3,412/mo
Deposit HK$1.29M · loan HK$11.57M · min. income ≈ HK$112,152/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,702
−HK$3,172/mo
▼ 0.25% · 3.875%
HK$60,277
−HK$1,597/mo
Today · 4.125%
HK$61,874
baseline
▲ 0.50% · 4.625%
HK$65,135
+HK$3,261/mo
Deposit HK$1.29M · loan HK$11.57M · min. income ≈ HK$123,748/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,099 · Scale 2, in force from 26 Feb 2026)