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$29,260
−HK$1,835/mo
▼ 0.25% · 3.875%
HK$30,171
−HK$924/mo
Today · 4.125%
HK$31,095
baseline
▲ 0.50% · 4.625%
HK$32,987
+HK$1,892/mo
Deposit HK$6.42M · loan HK$6.42M · min. income ≈ HK$62,190/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$481,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,552
−HK$1,759/mo
▼ 0.25% · 3.875%
HK$33,425
−HK$886/mo
Today · 4.125%
HK$34,311
baseline
▲ 0.50% · 4.625%
HK$36,119
+HK$1,808/mo
Deposit HK$6.42M · loan HK$6.42M · min. income ≈ HK$68,622/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$481,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,112
−HK$2,202/mo
▼ 0.25% · 3.875%
HK$36,205
−HK$1,109/mo
Today · 4.125%
HK$37,314
baseline
▲ 0.50% · 4.625%
HK$39,585
+HK$2,271/mo
Deposit HK$5.13M · loan HK$7.70M · min. income ≈ HK$74,628/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$481,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,062
−HK$2,111/mo
▼ 0.25% · 3.875%
HK$40,110
−HK$1,063/mo
Today · 4.125%
HK$41,173
baseline
▲ 0.50% · 4.625%
HK$43,343
+HK$2,170/mo
Deposit HK$5.13M · loan HK$7.70M · min. income ≈ HK$82,346/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$481,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,965
−HK$2,568/mo
▼ 0.25% · 3.875%
HK$42,239
−HK$1,294/mo
Today · 4.125%
HK$43,533
baseline
▲ 0.50% · 4.625%
HK$46,182
+HK$2,649/mo
Deposit HK$3.85M · loan HK$8.98M · min. income ≈ HK$87,066/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$481,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,573
−HK$2,462/mo
▼ 0.25% · 3.875%
HK$46,795
−HK$1,240/mo
Today · 4.125%
HK$48,035
baseline
▲ 0.50% · 4.625%
HK$50,567
+HK$2,532/mo
Deposit HK$3.85M · loan HK$8.98M · min. income ≈ HK$96,070/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$481,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,669
−HK$3,302/mo
▼ 0.25% · 3.875%
HK$54,307
−HK$1,664/mo
Today · 4.125%
HK$55,971
baseline
▲ 0.50% · 4.625%
HK$59,377
+HK$3,406/mo
Deposit HK$1.28M · loan HK$11.55M · min. income ≈ HK$111,942/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$481,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,593
−HK$3,166/mo
▼ 0.25% · 3.875%
HK$60,165
−HK$1,594/mo
Today · 4.125%
HK$61,759
baseline
▲ 0.50% · 4.625%
HK$65,014
+HK$3,255/mo
Deposit HK$1.28M · loan HK$11.55M · min. income ≈ HK$123,518/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$481,203 · Scale 2, in force from 26 Feb 2026)