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$29,222
−HK$1,832/mo
▼ 0.25% · 3.875%
HK$30,131
−HK$923/mo
Today · 4.125%
HK$31,054
baseline
▲ 0.50% · 4.625%
HK$32,944
+HK$1,890/mo
Deposit HK$6.41M · loan HK$6.41M · min. income ≈ HK$62,108/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$480,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,509
−HK$1,756/mo
▼ 0.25% · 3.875%
HK$33,381
−HK$884/mo
Today · 4.125%
HK$34,265
baseline
▲ 0.50% · 4.625%
HK$36,072
+HK$1,807/mo
Deposit HK$6.41M · loan HK$6.41M · min. income ≈ HK$68,530/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$480,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,066
−HK$2,199/mo
▼ 0.25% · 3.875%
HK$36,157
−HK$1,108/mo
Today · 4.125%
HK$37,265
baseline
▲ 0.50% · 4.625%
HK$39,533
+HK$2,268/mo
Deposit HK$5.13M · loan HK$7.69M · min. income ≈ HK$74,530/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$480,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,011
−HK$2,107/mo
▼ 0.25% · 3.875%
HK$40,057
−HK$1,061/mo
Today · 4.125%
HK$41,118
baseline
▲ 0.50% · 4.625%
HK$43,286
+HK$2,168/mo
Deposit HK$5.13M · loan HK$7.69M · min. income ≈ HK$82,236/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$480,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,911
−HK$2,565/mo
▼ 0.25% · 3.875%
HK$42,183
−HK$1,293/mo
Today · 4.125%
HK$43,476
baseline
▲ 0.50% · 4.625%
HK$46,121
+HK$2,645/mo
Deposit HK$3.84M · loan HK$8.97M · min. income ≈ HK$86,952/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$480,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,513
−HK$2,459/mo
▼ 0.25% · 3.875%
HK$46,733
−HK$1,239/mo
Today · 4.125%
HK$47,972
baseline
▲ 0.50% · 4.625%
HK$50,500
+HK$2,528/mo
Deposit HK$3.84M · loan HK$8.97M · min. income ≈ HK$95,944/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$480,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,599
−HK$3,299/mo
▼ 0.25% · 3.875%
HK$54,236
−HK$1,662/mo
Today · 4.125%
HK$55,898
baseline
▲ 0.50% · 4.625%
HK$59,299
+HK$3,401/mo
Deposit HK$1.28M · loan HK$11.53M · min. income ≈ HK$111,796/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$480,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,516
−HK$3,162/mo
▼ 0.25% · 3.875%
HK$60,086
−HK$1,592/mo
Today · 4.125%
HK$61,678
baseline
▲ 0.50% · 4.625%
HK$64,929
+HK$3,251/mo
Deposit HK$1.28M · loan HK$11.53M · min. income ≈ HK$123,356/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$480,569 · Scale 2, in force from 26 Feb 2026)