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$29,259
−HK$1,835/mo
▼ 0.25% · 3.875%
HK$30,169
−HK$925/mo
Today · 4.125%
HK$31,094
baseline
▲ 0.50% · 4.625%
HK$32,986
+HK$1,892/mo
Deposit HK$6.42M · loan HK$6.42M · min. income ≈ HK$62,188/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$481,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,550
−HK$1,759/mo
▼ 0.25% · 3.875%
HK$33,423
−HK$886/mo
Today · 4.125%
HK$34,309
baseline
▲ 0.50% · 4.625%
HK$36,117
+HK$1,808/mo
Deposit HK$6.42M · loan HK$6.42M · min. income ≈ HK$68,618/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$481,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,111
−HK$2,202/mo
▼ 0.25% · 3.875%
HK$36,203
−HK$1,110/mo
Today · 4.125%
HK$37,313
baseline
▲ 0.50% · 4.625%
HK$39,583
+HK$2,270/mo
Deposit HK$5.13M · loan HK$7.70M · min. income ≈ HK$74,626/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$481,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,060
−HK$2,111/mo
▼ 0.25% · 3.875%
HK$40,108
−HK$1,063/mo
Today · 4.125%
HK$41,171
baseline
▲ 0.50% · 4.625%
HK$43,341
+HK$2,170/mo
Deposit HK$5.13M · loan HK$7.70M · min. income ≈ HK$82,342/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$481,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,963
−HK$2,568/mo
▼ 0.25% · 3.875%
HK$42,237
−HK$1,294/mo
Today · 4.125%
HK$43,531
baseline
▲ 0.50% · 4.625%
HK$46,180
+HK$2,649/mo
Deposit HK$3.85M · loan HK$8.98M · min. income ≈ HK$87,062/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$481,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,571
−HK$2,462/mo
▼ 0.25% · 3.875%
HK$46,793
−HK$1,240/mo
Today · 4.125%
HK$48,033
baseline
▲ 0.50% · 4.625%
HK$50,564
+HK$2,531/mo
Deposit HK$3.85M · loan HK$8.98M · min. income ≈ HK$96,066/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$481,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,666
−HK$3,303/mo
▼ 0.25% · 3.875%
HK$54,304
−HK$1,665/mo
Today · 4.125%
HK$55,969
baseline
▲ 0.50% · 4.625%
HK$59,374
+HK$3,405/mo
Deposit HK$1.28M · loan HK$11.55M · min. income ≈ HK$111,938/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$481,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,591
−HK$3,165/mo
▼ 0.25% · 3.875%
HK$60,162
−HK$1,594/mo
Today · 4.125%
HK$61,756
baseline
▲ 0.50% · 4.625%
HK$65,011
+HK$3,255/mo
Deposit HK$1.28M · loan HK$11.55M · min. income ≈ HK$123,512/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$481,180 · Scale 2, in force from 26 Feb 2026)