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$29,285
−HK$1,837/mo
▼ 0.25% · 3.875%
HK$30,196
−HK$926/mo
Today · 4.125%
HK$31,122
baseline
▲ 0.50% · 4.625%
HK$33,015
+HK$1,893/mo
Deposit HK$6.42M · loan HK$6.42M · min. income ≈ HK$62,244/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$481,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,579
−HK$1,761/mo
▼ 0.25% · 3.875%
HK$33,453
−HK$887/mo
Today · 4.125%
HK$34,340
baseline
▲ 0.50% · 4.625%
HK$36,150
+HK$1,810/mo
Deposit HK$6.42M · loan HK$6.42M · min. income ≈ HK$68,680/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$481,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,142
−HK$2,204/mo
▼ 0.25% · 3.875%
HK$36,235
−HK$1,111/mo
Today · 4.125%
HK$37,346
baseline
▲ 0.50% · 4.625%
HK$39,618
+HK$2,272/mo
Deposit HK$5.14M · loan HK$7.71M · min. income ≈ HK$74,692/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$481,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,095
−HK$2,113/mo
▼ 0.25% · 3.875%
HK$40,144
−HK$1,064/mo
Today · 4.125%
HK$41,208
baseline
▲ 0.50% · 4.625%
HK$43,380
+HK$2,172/mo
Deposit HK$5.14M · loan HK$7.71M · min. income ≈ HK$82,416/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$481,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,999
−HK$2,571/mo
▼ 0.25% · 3.875%
HK$42,275
−HK$1,295/mo
Today · 4.125%
HK$43,570
baseline
▲ 0.50% · 4.625%
HK$46,221
+HK$2,651/mo
Deposit HK$3.85M · loan HK$8.99M · min. income ≈ HK$87,140/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$481,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,611
−HK$2,464/mo
▼ 0.25% · 3.875%
HK$46,835
−HK$1,240/mo
Today · 4.125%
HK$48,075
baseline
▲ 0.50% · 4.625%
HK$50,610
+HK$2,535/mo
Deposit HK$3.85M · loan HK$8.99M · min. income ≈ HK$96,150/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$481,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,713
−HK$3,306/mo
▼ 0.25% · 3.875%
HK$54,353
−HK$1,666/mo
Today · 4.125%
HK$56,019
baseline
▲ 0.50% · 4.625%
HK$59,428
+HK$3,409/mo
Deposit HK$1.28M · loan HK$11.56M · min. income ≈ HK$112,038/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$481,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,643
−HK$3,168/mo
▼ 0.25% · 3.875%
HK$60,216
−HK$1,595/mo
Today · 4.125%
HK$61,811
baseline
▲ 0.50% · 4.625%
HK$65,070
+HK$3,259/mo
Deposit HK$1.28M · loan HK$11.56M · min. income ≈ HK$123,622/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$481,610 · Scale 2, in force from 26 Feb 2026)