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$29,359
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$30,272
−HK$928/mo
Today · 4.125%
HK$31,200
baseline
▲ 0.50% · 4.625%
HK$33,098
+HK$1,898/mo
Deposit HK$6.44M · loan HK$6.44M · min. income ≈ HK$62,400/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$482,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,661
−HK$1,765/mo
▼ 0.25% · 3.875%
HK$33,537
−HK$889/mo
Today · 4.125%
HK$34,426
baseline
▲ 0.50% · 4.625%
HK$36,240
+HK$1,814/mo
Deposit HK$6.44M · loan HK$6.44M · min. income ≈ HK$68,852/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$482,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,230
−HK$2,210/mo
▼ 0.25% · 3.875%
HK$36,326
−HK$1,114/mo
Today · 4.125%
HK$37,440
baseline
▲ 0.50% · 4.625%
HK$39,718
+HK$2,278/mo
Deposit HK$5.15M · loan HK$7.73M · min. income ≈ HK$74,880/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$482,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,193
−HK$2,118/mo
▼ 0.25% · 3.875%
HK$40,245
−HK$1,066/mo
Today · 4.125%
HK$41,311
baseline
▲ 0.50% · 4.625%
HK$43,488
+HK$2,177/mo
Deposit HK$5.15M · loan HK$7.73M · min. income ≈ HK$82,622/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$482,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,102
−HK$2,578/mo
▼ 0.25% · 3.875%
HK$42,381
−HK$1,299/mo
Today · 4.125%
HK$43,680
baseline
▲ 0.50% · 4.625%
HK$46,337
+HK$2,657/mo
Deposit HK$3.86M · loan HK$9.01M · min. income ≈ HK$87,360/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$482,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,726
−HK$2,470/mo
▼ 0.25% · 3.875%
HK$46,952
−HK$1,244/mo
Today · 4.125%
HK$48,196
baseline
▲ 0.50% · 4.625%
HK$50,737
+HK$2,541/mo
Deposit HK$3.86M · loan HK$9.01M · min. income ≈ HK$96,392/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$482,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,846
−HK$3,313/mo
▼ 0.25% · 3.875%
HK$54,489
−HK$1,670/mo
Today · 4.125%
HK$56,159
baseline
▲ 0.50% · 4.625%
HK$59,577
+HK$3,418/mo
Deposit HK$1.29M · loan HK$11.59M · min. income ≈ HK$112,318/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,790
−HK$3,176/mo
▼ 0.25% · 3.875%
HK$60,367
−HK$1,599/mo
Today · 4.125%
HK$61,966
baseline
▲ 0.50% · 4.625%
HK$65,233
+HK$3,267/mo
Deposit HK$1.29M · loan HK$11.59M · min. income ≈ HK$123,932/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,818 · Scale 2, in force from 26 Feb 2026)