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$29,244
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$30,153
−HK$925/mo
Today · 4.125%
HK$31,078
baseline
▲ 0.50% · 4.625%
HK$32,969
+HK$1,891/mo
Deposit HK$6.41M · loan HK$6.41M · min. income ≈ HK$62,156/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$480,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,533
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$33,406
−HK$885/mo
Today · 4.125%
HK$34,291
baseline
▲ 0.50% · 4.625%
HK$36,098
+HK$1,807/mo
Deposit HK$6.41M · loan HK$6.41M · min. income ≈ HK$68,582/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$480,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,092
−HK$2,201/mo
▼ 0.25% · 3.875%
HK$36,184
−HK$1,109/mo
Today · 4.125%
HK$37,293
baseline
▲ 0.50% · 4.625%
HK$39,562
+HK$2,269/mo
Deposit HK$5.13M · loan HK$7.69M · min. income ≈ HK$74,586/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$480,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,040
−HK$2,109/mo
▼ 0.25% · 3.875%
HK$40,087
−HK$1,062/mo
Today · 4.125%
HK$41,149
baseline
▲ 0.50% · 4.625%
HK$43,318
+HK$2,169/mo
Deposit HK$5.13M · loan HK$7.69M · min. income ≈ HK$82,298/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$480,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,941
−HK$2,568/mo
▼ 0.25% · 3.875%
HK$42,215
−HK$1,294/mo
Today · 4.125%
HK$43,509
baseline
▲ 0.50% · 4.625%
HK$46,156
+HK$2,647/mo
Deposit HK$3.85M · loan HK$8.98M · min. income ≈ HK$87,018/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$480,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,547
−HK$2,460/mo
▼ 0.25% · 3.875%
HK$46,768
−HK$1,239/mo
Today · 4.125%
HK$48,007
baseline
▲ 0.50% · 4.625%
HK$50,538
+HK$2,531/mo
Deposit HK$3.85M · loan HK$8.98M · min. income ≈ HK$96,014/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$480,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,639
−HK$3,301/mo
▼ 0.25% · 3.875%
HK$54,276
−HK$1,664/mo
Today · 4.125%
HK$55,940
baseline
▲ 0.50% · 4.625%
HK$59,343
+HK$3,403/mo
Deposit HK$1.28M · loan HK$11.54M · min. income ≈ HK$111,880/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$480,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,560
−HK$3,164/mo
▼ 0.25% · 3.875%
HK$60,130
−HK$1,594/mo
Today · 4.125%
HK$61,724
baseline
▲ 0.50% · 4.625%
HK$64,977
+HK$3,253/mo
Deposit HK$1.28M · loan HK$11.54M · min. income ≈ HK$123,448/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$480,928 · Scale 2, in force from 26 Feb 2026)