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$29,242
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$30,152
−HK$924/mo
Today · 4.125%
HK$31,076
baseline
▲ 0.50% · 4.625%
HK$32,967
+HK$1,891/mo
Deposit HK$6.41M · loan HK$6.41M · min. income ≈ HK$62,152/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$480,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,532
−HK$1,757/mo
▼ 0.25% · 3.875%
HK$33,404
−HK$885/mo
Today · 4.125%
HK$34,289
baseline
▲ 0.50% · 4.625%
HK$36,097
+HK$1,808/mo
Deposit HK$6.41M · loan HK$6.41M · min. income ≈ HK$68,578/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$480,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,091
−HK$2,200/mo
▼ 0.25% · 3.875%
HK$36,182
−HK$1,109/mo
Today · 4.125%
HK$37,291
baseline
▲ 0.50% · 4.625%
HK$39,560
+HK$2,269/mo
Deposit HK$5.13M · loan HK$7.69M · min. income ≈ HK$74,582/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$480,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,038
−HK$2,109/mo
▼ 0.25% · 3.875%
HK$40,085
−HK$1,062/mo
Today · 4.125%
HK$41,147
baseline
▲ 0.50% · 4.625%
HK$43,316
+HK$2,169/mo
Deposit HK$5.13M · loan HK$7.69M · min. income ≈ HK$82,294/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$480,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,939
−HK$2,567/mo
▼ 0.25% · 3.875%
HK$42,213
−HK$1,293/mo
Today · 4.125%
HK$43,506
baseline
▲ 0.50% · 4.625%
HK$46,154
+HK$2,648/mo
Deposit HK$3.85M · loan HK$8.98M · min. income ≈ HK$87,012/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$480,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,544
−HK$2,461/mo
▼ 0.25% · 3.875%
HK$46,766
−HK$1,239/mo
Today · 4.125%
HK$48,005
baseline
▲ 0.50% · 4.625%
HK$50,535
+HK$2,530/mo
Deposit HK$3.85M · loan HK$8.98M · min. income ≈ HK$96,010/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$480,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,636
−HK$3,301/mo
▼ 0.25% · 3.875%
HK$54,273
−HK$1,664/mo
Today · 4.125%
HK$55,937
baseline
▲ 0.50% · 4.625%
HK$59,341
+HK$3,404/mo
Deposit HK$1.28M · loan HK$11.54M · min. income ≈ HK$111,874/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$480,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,557
−HK$3,164/mo
▼ 0.25% · 3.875%
HK$60,128
−HK$1,593/mo
Today · 4.125%
HK$61,721
baseline
▲ 0.50% · 4.625%
HK$64,974
+HK$3,253/mo
Deposit HK$1.28M · loan HK$11.54M · min. income ≈ HK$123,442/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$480,905 · Scale 2, in force from 26 Feb 2026)