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$29,283
−HK$1,837/mo
▼ 0.25% · 3.875%
HK$30,194
−HK$926/mo
Today · 4.125%
HK$31,120
baseline
▲ 0.50% · 4.625%
HK$33,013
+HK$1,893/mo
Deposit HK$6.42M · loan HK$6.42M · min. income ≈ HK$62,240/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$481,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,577
−HK$1,760/mo
▼ 0.25% · 3.875%
HK$33,451
−HK$886/mo
Today · 4.125%
HK$34,337
baseline
▲ 0.50% · 4.625%
HK$36,147
+HK$1,810/mo
Deposit HK$6.42M · loan HK$6.42M · min. income ≈ HK$68,674/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$481,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,140
−HK$2,204/mo
▼ 0.25% · 3.875%
HK$36,233
−HK$1,111/mo
Today · 4.125%
HK$37,344
baseline
▲ 0.50% · 4.625%
HK$39,616
+HK$2,272/mo
Deposit HK$5.14M · loan HK$7.71M · min. income ≈ HK$74,688/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$481,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,093
−HK$2,112/mo
▼ 0.25% · 3.875%
HK$40,141
−HK$1,064/mo
Today · 4.125%
HK$41,205
baseline
▲ 0.50% · 4.625%
HK$43,377
+HK$2,172/mo
Deposit HK$5.14M · loan HK$7.71M · min. income ≈ HK$82,410/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$481,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,997
−HK$2,570/mo
▼ 0.25% · 3.875%
HK$42,272
−HK$1,295/mo
Today · 4.125%
HK$43,567
baseline
▲ 0.50% · 4.625%
HK$46,218
+HK$2,651/mo
Deposit HK$3.85M · loan HK$8.99M · min. income ≈ HK$87,134/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$481,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,608
−HK$2,464/mo
▼ 0.25% · 3.875%
HK$46,831
−HK$1,241/mo
Today · 4.125%
HK$48,072
baseline
▲ 0.50% · 4.625%
HK$50,606
+HK$2,534/mo
Deposit HK$3.85M · loan HK$8.99M · min. income ≈ HK$96,144/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$481,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,710
−HK$3,305/mo
▼ 0.25% · 3.875%
HK$54,349
−HK$1,666/mo
Today · 4.125%
HK$56,015
baseline
▲ 0.50% · 4.625%
HK$59,424
+HK$3,409/mo
Deposit HK$1.28M · loan HK$11.56M · min. income ≈ HK$112,030/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$481,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,639
−HK$3,168/mo
▼ 0.25% · 3.875%
HK$60,212
−HK$1,595/mo
Today · 4.125%
HK$61,807
baseline
▲ 0.50% · 4.625%
HK$65,065
+HK$3,258/mo
Deposit HK$1.28M · loan HK$11.56M · min. income ≈ HK$123,614/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$481,579 · Scale 2, in force from 26 Feb 2026)