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$29,297
−HK$1,837/mo
▼ 0.25% · 3.875%
HK$30,208
−HK$926/mo
Today · 4.125%
HK$31,134
baseline
▲ 0.50% · 4.625%
HK$33,028
+HK$1,894/mo
Deposit HK$6.42M · loan HK$6.42M · min. income ≈ HK$62,268/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$481,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,592
−HK$1,761/mo
▼ 0.25% · 3.875%
HK$33,467
−HK$886/mo
Today · 4.125%
HK$34,353
baseline
▲ 0.50% · 4.625%
HK$36,164
+HK$1,811/mo
Deposit HK$6.42M · loan HK$6.42M · min. income ≈ HK$68,706/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$481,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,156
−HK$2,205/mo
▼ 0.25% · 3.875%
HK$36,250
−HK$1,111/mo
Today · 4.125%
HK$37,361
baseline
▲ 0.50% · 4.625%
HK$39,634
+HK$2,273/mo
Deposit HK$5.14M · loan HK$7.71M · min. income ≈ HK$74,722/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$481,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,111
−HK$2,113/mo
▼ 0.25% · 3.875%
HK$40,160
−HK$1,064/mo
Today · 4.125%
HK$41,224
baseline
▲ 0.50% · 4.625%
HK$43,397
+HK$2,173/mo
Deposit HK$5.14M · loan HK$7.71M · min. income ≈ HK$82,448/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$481,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,016
−HK$2,572/mo
▼ 0.25% · 3.875%
HK$42,291
−HK$1,297/mo
Today · 4.125%
HK$43,588
baseline
▲ 0.50% · 4.625%
HK$46,240
+HK$2,652/mo
Deposit HK$3.85M · loan HK$8.99M · min. income ≈ HK$87,176/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$481,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,629
−HK$2,466/mo
▼ 0.25% · 3.875%
HK$46,853
−HK$1,242/mo
Today · 4.125%
HK$48,095
baseline
▲ 0.50% · 4.625%
HK$50,630
+HK$2,535/mo
Deposit HK$3.85M · loan HK$8.99M · min. income ≈ HK$96,190/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$481,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,734
−HK$3,307/mo
▼ 0.25% · 3.875%
HK$54,375
−HK$1,666/mo
Today · 4.125%
HK$56,041
baseline
▲ 0.50% · 4.625%
HK$59,451
+HK$3,410/mo
Deposit HK$1.28M · loan HK$11.56M · min. income ≈ HK$112,082/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$481,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,666
−HK$3,170/mo
▼ 0.25% · 3.875%
HK$60,240
−HK$1,596/mo
Today · 4.125%
HK$61,836
baseline
▲ 0.50% · 4.625%
HK$65,096
+HK$3,260/mo
Deposit HK$1.28M · loan HK$11.56M · min. income ≈ HK$123,672/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$481,803 · Scale 2, in force from 26 Feb 2026)