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$29,246
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$30,156
−HK$924/mo
Today · 4.125%
HK$31,080
baseline
▲ 0.50% · 4.625%
HK$32,971
+HK$1,891/mo
Deposit HK$6.41M · loan HK$6.41M · min. income ≈ HK$62,160/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$480,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,536
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$33,409
−HK$885/mo
Today · 4.125%
HK$34,294
baseline
▲ 0.50% · 4.625%
HK$36,102
+HK$1,808/mo
Deposit HK$6.41M · loan HK$6.41M · min. income ≈ HK$68,588/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$480,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,095
−HK$2,201/mo
▼ 0.25% · 3.875%
HK$36,187
−HK$1,109/mo
Today · 4.125%
HK$37,296
baseline
▲ 0.50% · 4.625%
HK$39,566
+HK$2,270/mo
Deposit HK$5.13M · loan HK$7.70M · min. income ≈ HK$74,592/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$480,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,043
−HK$2,110/mo
▼ 0.25% · 3.875%
HK$40,090
−HK$1,063/mo
Today · 4.125%
HK$41,153
baseline
▲ 0.50% · 4.625%
HK$43,322
+HK$2,169/mo
Deposit HK$5.13M · loan HK$7.70M · min. income ≈ HK$82,306/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$480,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,945
−HK$2,567/mo
▼ 0.25% · 3.875%
HK$42,218
−HK$1,294/mo
Today · 4.125%
HK$43,512
baseline
▲ 0.50% · 4.625%
HK$46,160
+HK$2,648/mo
Deposit HK$3.85M · loan HK$8.98M · min. income ≈ HK$87,024/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$480,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,550
−HK$2,461/mo
▼ 0.25% · 3.875%
HK$46,772
−HK$1,239/mo
Today · 4.125%
HK$48,011
baseline
▲ 0.50% · 4.625%
HK$50,542
+HK$2,531/mo
Deposit HK$3.85M · loan HK$8.98M · min. income ≈ HK$96,022/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$480,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,643
−HK$3,301/mo
▼ 0.25% · 3.875%
HK$54,281
−HK$1,663/mo
Today · 4.125%
HK$55,944
baseline
▲ 0.50% · 4.625%
HK$59,348
+HK$3,404/mo
Deposit HK$1.28M · loan HK$11.54M · min. income ≈ HK$111,888/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$480,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,565
−HK$3,164/mo
▼ 0.25% · 3.875%
HK$60,136
−HK$1,593/mo
Today · 4.125%
HK$61,729
baseline
▲ 0.50% · 4.625%
HK$64,983
+HK$3,254/mo
Deposit HK$1.28M · loan HK$11.54M · min. income ≈ HK$123,458/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$480,969 · Scale 2, in force from 26 Feb 2026)