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$29,287
−HK$1,836/mo
▼ 0.25% · 3.875%
HK$30,198
−HK$925/mo
Today · 4.125%
HK$31,123
baseline
▲ 0.50% · 4.625%
HK$33,017
+HK$1,894/mo
Deposit HK$6.42M · loan HK$6.42M · min. income ≈ HK$62,246/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$481,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,581
−HK$1,760/mo
▼ 0.25% · 3.875%
HK$33,455
−HK$886/mo
Today · 4.125%
HK$34,341
baseline
▲ 0.50% · 4.625%
HK$36,152
+HK$1,811/mo
Deposit HK$6.42M · loan HK$6.42M · min. income ≈ HK$68,682/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$481,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,144
−HK$2,204/mo
▼ 0.25% · 3.875%
HK$36,237
−HK$1,111/mo
Today · 4.125%
HK$37,348
baseline
▲ 0.50% · 4.625%
HK$39,620
+HK$2,272/mo
Deposit HK$5.14M · loan HK$7.71M · min. income ≈ HK$74,696/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$481,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,097
−HK$2,113/mo
▼ 0.25% · 3.875%
HK$40,146
−HK$1,064/mo
Today · 4.125%
HK$41,210
baseline
▲ 0.50% · 4.625%
HK$43,382
+HK$2,172/mo
Deposit HK$5.14M · loan HK$7.71M · min. income ≈ HK$82,420/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$481,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,001
−HK$2,571/mo
▼ 0.25% · 3.875%
HK$42,277
−HK$1,295/mo
Today · 4.125%
HK$43,572
baseline
▲ 0.50% · 4.625%
HK$46,224
+HK$2,652/mo
Deposit HK$3.85M · loan HK$8.99M · min. income ≈ HK$87,144/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$481,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,614
−HK$2,464/mo
▼ 0.25% · 3.875%
HK$46,837
−HK$1,241/mo
Today · 4.125%
HK$48,078
baseline
▲ 0.50% · 4.625%
HK$50,612
+HK$2,534/mo
Deposit HK$3.85M · loan HK$8.99M · min. income ≈ HK$96,156/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$481,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,716
−HK$3,306/mo
▼ 0.25% · 3.875%
HK$54,356
−HK$1,666/mo
Today · 4.125%
HK$56,022
baseline
▲ 0.50% · 4.625%
HK$59,431
+HK$3,409/mo
Deposit HK$1.28M · loan HK$11.56M · min. income ≈ HK$112,044/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$481,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,646
−HK$3,169/mo
▼ 0.25% · 3.875%
HK$60,219
−HK$1,596/mo
Today · 4.125%
HK$61,815
baseline
▲ 0.50% · 4.625%
HK$65,073
+HK$3,258/mo
Deposit HK$1.28M · loan HK$11.56M · min. income ≈ HK$123,630/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$481,635 · Scale 2, in force from 26 Feb 2026)