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$29,300
−HK$1,837/mo
▼ 0.25% · 3.875%
HK$30,211
−HK$926/mo
Today · 4.125%
HK$31,137
baseline
▲ 0.50% · 4.625%
HK$33,032
+HK$1,895/mo
Deposit HK$6.42M · loan HK$6.42M · min. income ≈ HK$62,274/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$481,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,596
−HK$1,761/mo
▼ 0.25% · 3.875%
HK$33,470
−HK$887/mo
Today · 4.125%
HK$34,357
baseline
▲ 0.50% · 4.625%
HK$36,168
+HK$1,811/mo
Deposit HK$6.42M · loan HK$6.42M · min. income ≈ HK$68,714/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$481,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,160
−HK$2,205/mo
▼ 0.25% · 3.875%
HK$36,254
−HK$1,111/mo
Today · 4.125%
HK$37,365
baseline
▲ 0.50% · 4.625%
HK$39,638
+HK$2,273/mo
Deposit HK$5.14M · loan HK$7.71M · min. income ≈ HK$74,730/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$481,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,115
−HK$2,113/mo
▼ 0.25% · 3.875%
HK$40,164
−HK$1,064/mo
Today · 4.125%
HK$41,228
baseline
▲ 0.50% · 4.625%
HK$43,401
+HK$2,173/mo
Deposit HK$5.14M · loan HK$7.71M · min. income ≈ HK$82,456/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$481,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,020
−HK$2,572/mo
▼ 0.25% · 3.875%
HK$42,296
−HK$1,296/mo
Today · 4.125%
HK$43,592
baseline
▲ 0.50% · 4.625%
HK$46,245
+HK$2,653/mo
Deposit HK$3.85M · loan HK$8.99M · min. income ≈ HK$87,184/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$481,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,634
−HK$2,466/mo
▼ 0.25% · 3.875%
HK$46,858
−HK$1,242/mo
Today · 4.125%
HK$48,100
baseline
▲ 0.50% · 4.625%
HK$50,635
+HK$2,535/mo
Deposit HK$3.85M · loan HK$8.99M · min. income ≈ HK$96,200/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$481,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,740
−HK$3,307/mo
▼ 0.25% · 3.875%
HK$54,380
−HK$1,667/mo
Today · 4.125%
HK$56,047
baseline
▲ 0.50% · 4.625%
HK$59,457
+HK$3,410/mo
Deposit HK$1.28M · loan HK$11.56M · min. income ≈ HK$112,094/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$481,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,673
−HK$3,169/mo
▼ 0.25% · 3.875%
HK$60,246
−HK$1,596/mo
Today · 4.125%
HK$61,842
baseline
▲ 0.50% · 4.625%
HK$65,102
+HK$3,260/mo
Deposit HK$1.28M · loan HK$11.56M · min. income ≈ HK$123,684/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$481,853 · Scale 2, in force from 26 Feb 2026)