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$29,335
−HK$1,840/mo
▼ 0.25% · 3.875%
HK$30,248
−HK$927/mo
Today · 4.125%
HK$31,175
baseline
▲ 0.50% · 4.625%
HK$33,072
+HK$1,897/mo
Deposit HK$6.43M · loan HK$6.43M · min. income ≈ HK$62,350/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$482,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,635
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$33,510
−HK$888/mo
Today · 4.125%
HK$34,398
baseline
▲ 0.50% · 4.625%
HK$36,211
+HK$1,813/mo
Deposit HK$6.43M · loan HK$6.43M · min. income ≈ HK$68,796/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$482,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,202
−HK$2,208/mo
▼ 0.25% · 3.875%
HK$36,297
−HK$1,113/mo
Today · 4.125%
HK$37,410
baseline
▲ 0.50% · 4.625%
HK$39,686
+HK$2,276/mo
Deposit HK$5.15M · loan HK$7.72M · min. income ≈ HK$74,820/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$482,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,162
−HK$2,116/mo
▼ 0.25% · 3.875%
HK$40,212
−HK$1,066/mo
Today · 4.125%
HK$41,278
baseline
▲ 0.50% · 4.625%
HK$43,454
+HK$2,176/mo
Deposit HK$5.15M · loan HK$7.72M · min. income ≈ HK$82,556/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$482,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,069
−HK$2,575/mo
▼ 0.25% · 3.875%
HK$42,347
−HK$1,297/mo
Today · 4.125%
HK$43,644
baseline
▲ 0.50% · 4.625%
HK$46,300
+HK$2,656/mo
Deposit HK$3.86M · loan HK$9.01M · min. income ≈ HK$87,288/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$482,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,689
−HK$2,468/mo
▼ 0.25% · 3.875%
HK$46,914
−HK$1,243/mo
Today · 4.125%
HK$48,157
baseline
▲ 0.50% · 4.625%
HK$50,696
+HK$2,539/mo
Deposit HK$3.86M · loan HK$9.01M · min. income ≈ HK$96,314/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$482,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,803
−HK$3,311/mo
▼ 0.25% · 3.875%
HK$54,446
−HK$1,668/mo
Today · 4.125%
HK$56,114
baseline
▲ 0.50% · 4.625%
HK$59,529
+HK$3,415/mo
Deposit HK$1.29M · loan HK$11.58M · min. income ≈ HK$112,228/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,743
−HK$3,174/mo
▼ 0.25% · 3.875%
HK$60,318
−HK$1,599/mo
Today · 4.125%
HK$61,917
baseline
▲ 0.50% · 4.625%
HK$65,180
+HK$3,263/mo
Deposit HK$1.29M · loan HK$11.58M · min. income ≈ HK$123,834/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,431 · Scale 2, in force from 26 Feb 2026)