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$29,286
−HK$1,837/mo
▼ 0.25% · 3.875%
HK$30,197
−HK$926/mo
Today · 4.125%
HK$31,123
baseline
▲ 0.50% · 4.625%
HK$33,017
+HK$1,894/mo
Deposit HK$6.42M · loan HK$6.42M · min. income ≈ HK$62,246/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$481,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,581
−HK$1,760/mo
▼ 0.25% · 3.875%
HK$33,455
−HK$886/mo
Today · 4.125%
HK$34,341
baseline
▲ 0.50% · 4.625%
HK$36,151
+HK$1,810/mo
Deposit HK$6.42M · loan HK$6.42M · min. income ≈ HK$68,682/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$481,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,144
−HK$2,203/mo
▼ 0.25% · 3.875%
HK$36,237
−HK$1,110/mo
Today · 4.125%
HK$37,347
baseline
▲ 0.50% · 4.625%
HK$39,620
+HK$2,273/mo
Deposit HK$5.14M · loan HK$7.71M · min. income ≈ HK$74,694/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$481,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,097
−HK$2,112/mo
▼ 0.25% · 3.875%
HK$40,146
−HK$1,063/mo
Today · 4.125%
HK$41,209
baseline
▲ 0.50% · 4.625%
HK$43,381
+HK$2,172/mo
Deposit HK$5.14M · loan HK$7.71M · min. income ≈ HK$82,418/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$481,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,001
−HK$2,571/mo
▼ 0.25% · 3.875%
HK$42,276
−HK$1,296/mo
Today · 4.125%
HK$43,572
baseline
▲ 0.50% · 4.625%
HK$46,223
+HK$2,651/mo
Deposit HK$3.85M · loan HK$8.99M · min. income ≈ HK$87,144/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$481,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,613
−HK$2,464/mo
▼ 0.25% · 3.875%
HK$46,836
−HK$1,241/mo
Today · 4.125%
HK$48,077
baseline
▲ 0.50% · 4.625%
HK$50,612
+HK$2,535/mo
Deposit HK$3.85M · loan HK$8.99M · min. income ≈ HK$96,154/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$481,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,715
−HK$3,306/mo
▼ 0.25% · 3.875%
HK$54,355
−HK$1,666/mo
Today · 4.125%
HK$56,021
baseline
▲ 0.50% · 4.625%
HK$59,430
+HK$3,409/mo
Deposit HK$1.28M · loan HK$11.56M · min. income ≈ HK$112,042/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$481,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,645
−HK$3,169/mo
▼ 0.25% · 3.875%
HK$60,218
−HK$1,596/mo
Today · 4.125%
HK$61,814
baseline
▲ 0.50% · 4.625%
HK$65,072
+HK$3,258/mo
Deposit HK$1.28M · loan HK$11.56M · min. income ≈ HK$123,628/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$481,630 · Scale 2, in force from 26 Feb 2026)