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$29,324
−HK$1,839/mo
▼ 0.25% · 3.875%
HK$30,236
−HK$927/mo
Today · 4.125%
HK$31,163
baseline
▲ 0.50% · 4.625%
HK$33,059
+HK$1,896/mo
Deposit HK$6.43M · loan HK$6.43M · min. income ≈ HK$62,326/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$482,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,622
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$33,497
−HK$888/mo
Today · 4.125%
HK$34,385
baseline
▲ 0.50% · 4.625%
HK$36,197
+HK$1,812/mo
Deposit HK$6.43M · loan HK$6.43M · min. income ≈ HK$68,770/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$482,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,188
−HK$2,207/mo
▼ 0.25% · 3.875%
HK$36,283
−HK$1,112/mo
Today · 4.125%
HK$37,395
baseline
▲ 0.50% · 4.625%
HK$39,671
+HK$2,276/mo
Deposit HK$5.14M · loan HK$7.72M · min. income ≈ HK$74,790/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$482,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,147
−HK$2,115/mo
▼ 0.25% · 3.875%
HK$40,197
−HK$1,065/mo
Today · 4.125%
HK$41,262
baseline
▲ 0.50% · 4.625%
HK$43,437
+HK$2,175/mo
Deposit HK$5.14M · loan HK$7.72M · min. income ≈ HK$82,524/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$482,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,053
−HK$2,575/mo
▼ 0.25% · 3.875%
HK$42,330
−HK$1,298/mo
Today · 4.125%
HK$43,628
baseline
▲ 0.50% · 4.625%
HK$46,282
+HK$2,654/mo
Deposit HK$3.86M · loan HK$9.00M · min. income ≈ HK$87,256/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$482,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,671
−HK$2,468/mo
▼ 0.25% · 3.875%
HK$46,896
−HK$1,243/mo
Today · 4.125%
HK$48,139
baseline
▲ 0.50% · 4.625%
HK$50,676
+HK$2,537/mo
Deposit HK$3.86M · loan HK$9.00M · min. income ≈ HK$96,278/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$482,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,783
−HK$3,310/mo
▼ 0.25% · 3.875%
HK$54,425
−HK$1,668/mo
Today · 4.125%
HK$56,093
baseline
▲ 0.50% · 4.625%
HK$59,506
+HK$3,413/mo
Deposit HK$1.29M · loan HK$11.57M · min. income ≈ HK$112,186/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,720
−HK$3,173/mo
▼ 0.25% · 3.875%
HK$60,295
−HK$1,598/mo
Today · 4.125%
HK$61,893
baseline
▲ 0.50% · 4.625%
HK$65,155
+HK$3,262/mo
Deposit HK$1.29M · loan HK$11.57M · min. income ≈ HK$123,786/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,245 · Scale 2, in force from 26 Feb 2026)