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$29,224
−HK$1,833/mo
▼ 0.25% · 3.875%
HK$30,133
−HK$924/mo
Today · 4.125%
HK$31,057
baseline
▲ 0.50% · 4.625%
HK$32,946
+HK$1,889/mo
Deposit HK$6.41M · loan HK$6.41M · min. income ≈ HK$62,114/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$480,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,512
−HK$1,756/mo
▼ 0.25% · 3.875%
HK$33,384
−HK$884/mo
Today · 4.125%
HK$34,268
baseline
▲ 0.50% · 4.625%
HK$36,074
+HK$1,806/mo
Deposit HK$6.41M · loan HK$6.41M · min. income ≈ HK$68,536/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$480,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,069
−HK$2,199/mo
▼ 0.25% · 3.875%
HK$36,160
−HK$1,108/mo
Today · 4.125%
HK$37,268
baseline
▲ 0.50% · 4.625%
HK$39,536
+HK$2,268/mo
Deposit HK$5.13M · loan HK$7.69M · min. income ≈ HK$74,536/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$480,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,014
−HK$2,108/mo
▼ 0.25% · 3.875%
HK$40,060
−HK$1,062/mo
Today · 4.125%
HK$41,122
baseline
▲ 0.50% · 4.625%
HK$43,289
+HK$2,167/mo
Deposit HK$5.13M · loan HK$7.69M · min. income ≈ HK$82,244/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$480,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,914
−HK$2,565/mo
▼ 0.25% · 3.875%
HK$42,186
−HK$1,293/mo
Today · 4.125%
HK$43,479
baseline
▲ 0.50% · 4.625%
HK$46,125
+HK$2,646/mo
Deposit HK$3.84M · loan HK$8.97M · min. income ≈ HK$86,958/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$480,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,516
−HK$2,459/mo
▼ 0.25% · 3.875%
HK$46,737
−HK$1,238/mo
Today · 4.125%
HK$47,975
baseline
▲ 0.50% · 4.625%
HK$50,504
+HK$2,529/mo
Deposit HK$3.84M · loan HK$8.97M · min. income ≈ HK$95,950/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$480,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,603
−HK$3,299/mo
▼ 0.25% · 3.875%
HK$54,240
−HK$1,662/mo
Today · 4.125%
HK$55,902
baseline
▲ 0.50% · 4.625%
HK$59,304
+HK$3,402/mo
Deposit HK$1.28M · loan HK$11.53M · min. income ≈ HK$111,804/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$480,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,521
−HK$3,162/mo
▼ 0.25% · 3.875%
HK$60,090
−HK$1,593/mo
Today · 4.125%
HK$61,683
baseline
▲ 0.50% · 4.625%
HK$64,934
+HK$3,251/mo
Deposit HK$1.28M · loan HK$11.53M · min. income ≈ HK$123,366/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$480,607 · Scale 2, in force from 26 Feb 2026)