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$29,350
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$30,263
−HK$928/mo
Today · 4.125%
HK$31,191
baseline
▲ 0.50% · 4.625%
HK$33,089
+HK$1,898/mo
Deposit HK$6.44M · loan HK$6.44M · min. income ≈ HK$62,382/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$482,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,652
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$33,528
−HK$888/mo
Today · 4.125%
HK$34,416
baseline
▲ 0.50% · 4.625%
HK$36,230
+HK$1,814/mo
Deposit HK$6.44M · loan HK$6.44M · min. income ≈ HK$68,832/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$482,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,220
−HK$2,209/mo
▼ 0.25% · 3.875%
HK$36,316
−HK$1,113/mo
Today · 4.125%
HK$37,429
baseline
▲ 0.50% · 4.625%
HK$39,707
+HK$2,278/mo
Deposit HK$5.15M · loan HK$7.72M · min. income ≈ HK$74,858/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$482,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,182
−HK$2,117/mo
▼ 0.25% · 3.875%
HK$40,233
−HK$1,066/mo
Today · 4.125%
HK$41,299
baseline
▲ 0.50% · 4.625%
HK$43,476
+HK$2,177/mo
Deposit HK$5.15M · loan HK$7.72M · min. income ≈ HK$82,598/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$482,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,090
−HK$2,577/mo
▼ 0.25% · 3.875%
HK$42,369
−HK$1,298/mo
Today · 4.125%
HK$43,667
baseline
▲ 0.50% · 4.625%
HK$46,324
+HK$2,657/mo
Deposit HK$3.86M · loan HK$9.01M · min. income ≈ HK$87,334/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$482,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,713
−HK$2,469/mo
▼ 0.25% · 3.875%
HK$46,939
−HK$1,243/mo
Today · 4.125%
HK$48,182
baseline
▲ 0.50% · 4.625%
HK$50,722
+HK$2,540/mo
Deposit HK$3.86M · loan HK$9.01M · min. income ≈ HK$96,364/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$482,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,831
−HK$3,313/mo
▼ 0.25% · 3.875%
HK$54,474
−HK$1,670/mo
Today · 4.125%
HK$56,144
baseline
▲ 0.50% · 4.625%
HK$59,560
+HK$3,416/mo
Deposit HK$1.29M · loan HK$11.58M · min. income ≈ HK$112,288/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,774
−HK$3,175/mo
▼ 0.25% · 3.875%
HK$60,350
−HK$1,599/mo
Today · 4.125%
HK$61,949
baseline
▲ 0.50% · 4.625%
HK$65,214
+HK$3,265/mo
Deposit HK$1.29M · loan HK$11.58M · min. income ≈ HK$123,898/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,682 · Scale 2, in force from 26 Feb 2026)