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$29,369
−HK$1,842/mo
▼ 0.25% · 3.875%
HK$30,283
−HK$928/mo
Today · 4.125%
HK$31,211
baseline
▲ 0.50% · 4.625%
HK$33,110
+HK$1,899/mo
Deposit HK$6.44M · loan HK$6.44M · min. income ≈ HK$62,422/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$482,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,673
−HK$1,765/mo
▼ 0.25% · 3.875%
HK$33,549
−HK$889/mo
Today · 4.125%
HK$34,438
baseline
▲ 0.50% · 4.625%
HK$36,254
+HK$1,816/mo
Deposit HK$6.44M · loan HK$6.44M · min. income ≈ HK$68,876/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$482,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,243
−HK$2,210/mo
▼ 0.25% · 3.875%
HK$36,340
−HK$1,113/mo
Today · 4.125%
HK$37,453
baseline
▲ 0.50% · 4.625%
HK$39,732
+HK$2,279/mo
Deposit HK$5.15M · loan HK$7.73M · min. income ≈ HK$74,906/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$482,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,208
−HK$2,118/mo
▼ 0.25% · 3.875%
HK$40,259
−HK$1,067/mo
Today · 4.125%
HK$41,326
baseline
▲ 0.50% · 4.625%
HK$43,504
+HK$2,178/mo
Deposit HK$5.15M · loan HK$7.73M · min. income ≈ HK$82,652/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$482,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,117
−HK$2,579/mo
▼ 0.25% · 3.875%
HK$42,396
−HK$1,300/mo
Today · 4.125%
HK$43,696
baseline
▲ 0.50% · 4.625%
HK$46,354
+HK$2,658/mo
Deposit HK$3.86M · loan HK$9.02M · min. income ≈ HK$87,392/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$482,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,742
−HK$2,472/mo
▼ 0.25% · 3.875%
HK$46,969
−HK$1,245/mo
Today · 4.125%
HK$48,214
baseline
▲ 0.50% · 4.625%
HK$50,755
+HK$2,541/mo
Deposit HK$3.86M · loan HK$9.02M · min. income ≈ HK$96,428/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$482,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,865
−HK$3,315/mo
▼ 0.25% · 3.875%
HK$54,509
−HK$1,671/mo
Today · 4.125%
HK$56,180
baseline
▲ 0.50% · 4.625%
HK$59,598
+HK$3,418/mo
Deposit HK$1.29M · loan HK$11.59M · min. income ≈ HK$112,360/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,812
−HK$3,177/mo
▼ 0.25% · 3.875%
HK$60,389
−HK$1,600/mo
Today · 4.125%
HK$61,989
baseline
▲ 0.50% · 4.625%
HK$65,257
+HK$3,268/mo
Deposit HK$1.29M · loan HK$11.59M · min. income ≈ HK$123,978/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,995 · Scale 2, in force from 26 Feb 2026)