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$29,293
−HK$1,837/mo
▼ 0.25% · 3.875%
HK$30,204
−HK$926/mo
Today · 4.125%
HK$31,130
baseline
▲ 0.50% · 4.625%
HK$33,024
+HK$1,894/mo
Deposit HK$6.42M · loan HK$6.42M · min. income ≈ HK$62,260/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$481,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,588
−HK$1,760/mo
▼ 0.25% · 3.875%
HK$33,462
−HK$886/mo
Today · 4.125%
HK$34,348
baseline
▲ 0.50% · 4.625%
HK$36,159
+HK$1,811/mo
Deposit HK$6.42M · loan HK$6.42M · min. income ≈ HK$68,696/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$481,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,151
−HK$2,204/mo
▼ 0.25% · 3.875%
HK$36,245
−HK$1,110/mo
Today · 4.125%
HK$37,355
baseline
▲ 0.50% · 4.625%
HK$39,628
+HK$2,273/mo
Deposit HK$5.14M · loan HK$7.71M · min. income ≈ HK$74,710/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$481,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,105
−HK$2,113/mo
▼ 0.25% · 3.875%
HK$40,154
−HK$1,064/mo
Today · 4.125%
HK$41,218
baseline
▲ 0.50% · 4.625%
HK$43,391
+HK$2,173/mo
Deposit HK$5.14M · loan HK$7.71M · min. income ≈ HK$82,436/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$481,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,010
−HK$2,571/mo
▼ 0.25% · 3.875%
HK$42,285
−HK$1,296/mo
Today · 4.125%
HK$43,581
baseline
▲ 0.50% · 4.625%
HK$46,233
+HK$2,652/mo
Deposit HK$3.85M · loan HK$8.99M · min. income ≈ HK$87,162/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$481,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,623
−HK$2,465/mo
▼ 0.25% · 3.875%
HK$46,846
−HK$1,242/mo
Today · 4.125%
HK$48,088
baseline
▲ 0.50% · 4.625%
HK$50,622
+HK$2,534/mo
Deposit HK$3.85M · loan HK$8.99M · min. income ≈ HK$96,176/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$481,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,727
−HK$3,306/mo
▼ 0.25% · 3.875%
HK$54,367
−HK$1,666/mo
Today · 4.125%
HK$56,033
baseline
▲ 0.50% · 4.625%
HK$59,443
+HK$3,410/mo
Deposit HK$1.28M · loan HK$11.56M · min. income ≈ HK$112,066/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$481,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,658
−HK$3,169/mo
▼ 0.25% · 3.875%
HK$60,231
−HK$1,596/mo
Today · 4.125%
HK$61,827
baseline
▲ 0.50% · 4.625%
HK$65,086
+HK$3,259/mo
Deposit HK$1.28M · loan HK$11.56M · min. income ≈ HK$123,654/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$481,733 · Scale 2, in force from 26 Feb 2026)