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$29,231
−HK$1,833/mo
▼ 0.25% · 3.875%
HK$30,141
−HK$923/mo
Today · 4.125%
HK$31,064
baseline
▲ 0.50% · 4.625%
HK$32,955
+HK$1,891/mo
Deposit HK$6.41M · loan HK$6.41M · min. income ≈ HK$62,128/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$480,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,519
−HK$1,757/mo
▼ 0.25% · 3.875%
HK$33,392
−HK$884/mo
Today · 4.125%
HK$34,276
baseline
▲ 0.50% · 4.625%
HK$36,083
+HK$1,807/mo
Deposit HK$6.41M · loan HK$6.41M · min. income ≈ HK$68,552/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$480,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,078
−HK$2,199/mo
▼ 0.25% · 3.875%
HK$36,169
−HK$1,108/mo
Today · 4.125%
HK$37,277
baseline
▲ 0.50% · 4.625%
HK$39,545
+HK$2,268/mo
Deposit HK$5.13M · loan HK$7.69M · min. income ≈ HK$74,554/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$480,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,023
−HK$2,109/mo
▼ 0.25% · 3.875%
HK$40,070
−HK$1,062/mo
Today · 4.125%
HK$41,132
baseline
▲ 0.50% · 4.625%
HK$43,300
+HK$2,168/mo
Deposit HK$5.13M · loan HK$7.69M · min. income ≈ HK$82,264/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$480,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,924
−HK$2,566/mo
▼ 0.25% · 3.875%
HK$42,197
−HK$1,293/mo
Today · 4.125%
HK$43,490
baseline
▲ 0.50% · 4.625%
HK$46,136
+HK$2,646/mo
Deposit HK$3.85M · loan HK$8.97M · min. income ≈ HK$86,980/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$480,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,527
−HK$2,460/mo
▼ 0.25% · 3.875%
HK$46,748
−HK$1,239/mo
Today · 4.125%
HK$47,987
baseline
▲ 0.50% · 4.625%
HK$50,516
+HK$2,529/mo
Deposit HK$3.85M · loan HK$8.97M · min. income ≈ HK$95,974/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$480,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,616
−HK$3,300/mo
▼ 0.25% · 3.875%
HK$54,253
−HK$1,663/mo
Today · 4.125%
HK$55,916
baseline
▲ 0.50% · 4.625%
HK$59,318
+HK$3,402/mo
Deposit HK$1.28M · loan HK$11.54M · min. income ≈ HK$111,832/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$480,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,535
−HK$3,163/mo
▼ 0.25% · 3.875%
HK$60,105
−HK$1,593/mo
Today · 4.125%
HK$61,698
baseline
▲ 0.50% · 4.625%
HK$64,950
+HK$3,252/mo
Deposit HK$1.28M · loan HK$11.54M · min. income ≈ HK$123,396/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$480,724 · Scale 2, in force from 26 Feb 2026)