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$29,269
−HK$1,835/mo
▼ 0.25% · 3.875%
HK$30,179
−HK$925/mo
Today · 4.125%
HK$31,104
baseline
▲ 0.50% · 4.625%
HK$32,997
+HK$1,893/mo
Deposit HK$6.42M · loan HK$6.42M · min. income ≈ HK$62,208/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$481,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,561
−HK$1,760/mo
▼ 0.25% · 3.875%
HK$33,435
−HK$886/mo
Today · 4.125%
HK$34,321
baseline
▲ 0.50% · 4.625%
HK$36,130
+HK$1,809/mo
Deposit HK$6.42M · loan HK$6.42M · min. income ≈ HK$68,642/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$481,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,123
−HK$2,202/mo
▼ 0.25% · 3.875%
HK$36,215
−HK$1,110/mo
Today · 4.125%
HK$37,325
baseline
▲ 0.50% · 4.625%
HK$39,596
+HK$2,271/mo
Deposit HK$5.13M · loan HK$7.70M · min. income ≈ HK$74,650/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$481,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,074
−HK$2,111/mo
▼ 0.25% · 3.875%
HK$40,122
−HK$1,063/mo
Today · 4.125%
HK$41,185
baseline
▲ 0.50% · 4.625%
HK$43,356
+HK$2,171/mo
Deposit HK$5.13M · loan HK$7.70M · min. income ≈ HK$82,370/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$481,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,976
−HK$2,570/mo
▼ 0.25% · 3.875%
HK$42,251
−HK$1,295/mo
Today · 4.125%
HK$43,546
baseline
▲ 0.50% · 4.625%
HK$46,196
+HK$2,650/mo
Deposit HK$3.85M · loan HK$8.99M · min. income ≈ HK$87,092/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$481,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,586
−HK$2,463/mo
▼ 0.25% · 3.875%
HK$46,808
−HK$1,241/mo
Today · 4.125%
HK$48,049
baseline
▲ 0.50% · 4.625%
HK$50,581
+HK$2,532/mo
Deposit HK$3.85M · loan HK$8.99M · min. income ≈ HK$96,098/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$481,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,684
−HK$3,304/mo
▼ 0.25% · 3.875%
HK$54,323
−HK$1,665/mo
Today · 4.125%
HK$55,988
baseline
▲ 0.50% · 4.625%
HK$59,394
+HK$3,406/mo
Deposit HK$1.28M · loan HK$11.55M · min. income ≈ HK$111,976/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$481,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,610
−HK$3,167/mo
▼ 0.25% · 3.875%
HK$60,182
−HK$1,595/mo
Today · 4.125%
HK$61,777
baseline
▲ 0.50% · 4.625%
HK$65,033
+HK$3,256/mo
Deposit HK$1.28M · loan HK$11.55M · min. income ≈ HK$123,554/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$481,343 · Scale 2, in force from 26 Feb 2026)