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$29,265
−HK$1,835/mo
▼ 0.25% · 3.875%
HK$30,176
−HK$924/mo
Today · 4.125%
HK$31,100
baseline
▲ 0.50% · 4.625%
HK$32,993
+HK$1,893/mo
Deposit HK$6.42M · loan HK$6.42M · min. income ≈ HK$62,200/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$481,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,557
−HK$1,759/mo
▼ 0.25% · 3.875%
HK$33,430
−HK$886/mo
Today · 4.125%
HK$34,316
baseline
▲ 0.50% · 4.625%
HK$36,125
+HK$1,809/mo
Deposit HK$6.42M · loan HK$6.42M · min. income ≈ HK$68,632/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$481,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,118
−HK$2,203/mo
▼ 0.25% · 3.875%
HK$36,211
−HK$1,110/mo
Today · 4.125%
HK$37,321
baseline
▲ 0.50% · 4.625%
HK$39,591
+HK$2,270/mo
Deposit HK$5.13M · loan HK$7.70M · min. income ≈ HK$74,642/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$481,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,069
−HK$2,111/mo
▼ 0.25% · 3.875%
HK$40,117
−HK$1,063/mo
Today · 4.125%
HK$41,180
baseline
▲ 0.50% · 4.625%
HK$43,350
+HK$2,170/mo
Deposit HK$5.13M · loan HK$7.70M · min. income ≈ HK$82,360/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$481,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,971
−HK$2,570/mo
▼ 0.25% · 3.875%
HK$42,246
−HK$1,295/mo
Today · 4.125%
HK$43,541
baseline
▲ 0.50% · 4.625%
HK$46,190
+HK$2,649/mo
Deposit HK$3.85M · loan HK$8.98M · min. income ≈ HK$87,082/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$481,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,580
−HK$2,463/mo
▼ 0.25% · 3.875%
HK$46,803
−HK$1,240/mo
Today · 4.125%
HK$48,043
baseline
▲ 0.50% · 4.625%
HK$50,575
+HK$2,532/mo
Deposit HK$3.85M · loan HK$8.98M · min. income ≈ HK$96,086/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$481,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,677
−HK$3,304/mo
▼ 0.25% · 3.875%
HK$54,316
−HK$1,665/mo
Today · 4.125%
HK$55,981
baseline
▲ 0.50% · 4.625%
HK$59,387
+HK$3,406/mo
Deposit HK$1.28M · loan HK$11.55M · min. income ≈ HK$111,962/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$481,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,603
−HK$3,166/mo
▼ 0.25% · 3.875%
HK$60,175
−HK$1,594/mo
Today · 4.125%
HK$61,769
baseline
▲ 0.50% · 4.625%
HK$65,025
+HK$3,256/mo
Deposit HK$1.28M · loan HK$11.55M · min. income ≈ HK$123,538/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$481,283 · Scale 2, in force from 26 Feb 2026)