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$29,289
−HK$1,836/mo
▼ 0.25% · 3.875%
HK$30,200
−HK$925/mo
Today · 4.125%
HK$31,125
baseline
▲ 0.50% · 4.625%
HK$33,019
+HK$1,894/mo
Deposit HK$6.42M · loan HK$6.42M · min. income ≈ HK$62,250/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$481,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,583
−HK$1,761/mo
▼ 0.25% · 3.875%
HK$33,457
−HK$887/mo
Today · 4.125%
HK$34,344
baseline
▲ 0.50% · 4.625%
HK$36,154
+HK$1,810/mo
Deposit HK$6.42M · loan HK$6.42M · min. income ≈ HK$68,688/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$481,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,146
−HK$2,204/mo
▼ 0.25% · 3.875%
HK$36,240
−HK$1,110/mo
Today · 4.125%
HK$37,350
baseline
▲ 0.50% · 4.625%
HK$39,623
+HK$2,273/mo
Deposit HK$5.14M · loan HK$7.71M · min. income ≈ HK$74,700/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$481,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,100
−HK$2,113/mo
▼ 0.25% · 3.875%
HK$40,149
−HK$1,064/mo
Today · 4.125%
HK$41,213
baseline
▲ 0.50% · 4.625%
HK$43,385
+HK$2,172/mo
Deposit HK$5.14M · loan HK$7.71M · min. income ≈ HK$82,426/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$481,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,004
−HK$2,572/mo
▼ 0.25% · 3.875%
HK$42,280
−HK$1,296/mo
Today · 4.125%
HK$43,576
baseline
▲ 0.50% · 4.625%
HK$46,227
+HK$2,651/mo
Deposit HK$3.85M · loan HK$8.99M · min. income ≈ HK$87,152/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$481,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,617
−HK$2,464/mo
▼ 0.25% · 3.875%
HK$46,840
−HK$1,241/mo
Today · 4.125%
HK$48,081
baseline
▲ 0.50% · 4.625%
HK$50,616
+HK$2,535/mo
Deposit HK$3.85M · loan HK$8.99M · min. income ≈ HK$96,162/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$481,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,720
−HK$3,306/mo
▼ 0.25% · 3.875%
HK$54,360
−HK$1,666/mo
Today · 4.125%
HK$56,026
baseline
▲ 0.50% · 4.625%
HK$59,435
+HK$3,409/mo
Deposit HK$1.28M · loan HK$11.56M · min. income ≈ HK$112,052/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$481,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,650
−HK$3,169/mo
▼ 0.25% · 3.875%
HK$60,223
−HK$1,596/mo
Today · 4.125%
HK$61,819
baseline
▲ 0.50% · 4.625%
HK$65,077
+HK$3,258/mo
Deposit HK$1.28M · loan HK$11.56M · min. income ≈ HK$123,638/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$481,669 · Scale 2, in force from 26 Feb 2026)