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$29,251
−HK$1,835/mo
▼ 0.25% · 3.875%
HK$30,161
−HK$925/mo
Today · 4.125%
HK$31,086
baseline
▲ 0.50% · 4.625%
HK$32,977
+HK$1,891/mo
Deposit HK$6.41M · loan HK$6.41M · min. income ≈ HK$62,172/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$481,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,542
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$33,415
−HK$885/mo
Today · 4.125%
HK$34,300
baseline
▲ 0.50% · 4.625%
HK$36,108
+HK$1,808/mo
Deposit HK$6.41M · loan HK$6.41M · min. income ≈ HK$68,600/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$481,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,102
−HK$2,201/mo
▼ 0.25% · 3.875%
HK$36,193
−HK$1,110/mo
Today · 4.125%
HK$37,303
baseline
▲ 0.50% · 4.625%
HK$39,573
+HK$2,270/mo
Deposit HK$5.13M · loan HK$7.70M · min. income ≈ HK$74,606/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$481,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,050
−HK$2,110/mo
▼ 0.25% · 3.875%
HK$40,097
−HK$1,063/mo
Today · 4.125%
HK$41,160
baseline
▲ 0.50% · 4.625%
HK$43,330
+HK$2,170/mo
Deposit HK$5.13M · loan HK$7.70M · min. income ≈ HK$82,320/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$481,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,952
−HK$2,568/mo
▼ 0.25% · 3.875%
HK$42,226
−HK$1,294/mo
Today · 4.125%
HK$43,520
baseline
▲ 0.50% · 4.625%
HK$46,168
+HK$2,648/mo
Deposit HK$3.85M · loan HK$8.98M · min. income ≈ HK$87,040/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$481,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,559
−HK$2,461/mo
▼ 0.25% · 3.875%
HK$46,780
−HK$1,240/mo
Today · 4.125%
HK$48,020
baseline
▲ 0.50% · 4.625%
HK$50,551
+HK$2,531/mo
Deposit HK$3.85M · loan HK$8.98M · min. income ≈ HK$96,040/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$481,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,652
−HK$3,302/mo
▼ 0.25% · 3.875%
HK$54,290
−HK$1,664/mo
Today · 4.125%
HK$55,954
baseline
▲ 0.50% · 4.625%
HK$59,359
+HK$3,405/mo
Deposit HK$1.28M · loan HK$11.55M · min. income ≈ HK$111,908/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$481,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,575
−HK$3,165/mo
▼ 0.25% · 3.875%
HK$60,146
−HK$1,594/mo
Today · 4.125%
HK$61,740
baseline
▲ 0.50% · 4.625%
HK$64,994
+HK$3,254/mo
Deposit HK$1.28M · loan HK$11.55M · min. income ≈ HK$123,480/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$481,054 · Scale 2, in force from 26 Feb 2026)