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$29,276
−HK$1,836/mo
▼ 0.25% · 3.875%
HK$30,187
−HK$925/mo
Today · 4.125%
HK$31,112
baseline
▲ 0.50% · 4.625%
HK$33,005
+HK$1,893/mo
Deposit HK$6.42M · loan HK$6.42M · min. income ≈ HK$62,224/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$481,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,570
−HK$1,759/mo
▼ 0.25% · 3.875%
HK$33,443
−HK$886/mo
Today · 4.125%
HK$34,329
baseline
▲ 0.50% · 4.625%
HK$36,139
+HK$1,810/mo
Deposit HK$6.42M · loan HK$6.42M · min. income ≈ HK$68,658/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$481,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,132
−HK$2,203/mo
▼ 0.25% · 3.875%
HK$36,225
−HK$1,110/mo
Today · 4.125%
HK$37,335
baseline
▲ 0.50% · 4.625%
HK$39,607
+HK$2,272/mo
Deposit HK$5.14M · loan HK$7.70M · min. income ≈ HK$74,670/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$481,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,084
−HK$2,111/mo
▼ 0.25% · 3.875%
HK$40,132
−HK$1,063/mo
Today · 4.125%
HK$41,195
baseline
▲ 0.50% · 4.625%
HK$43,367
+HK$2,172/mo
Deposit HK$5.14M · loan HK$7.70M · min. income ≈ HK$82,390/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$481,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,987
−HK$2,570/mo
▼ 0.25% · 3.875%
HK$42,262
−HK$1,295/mo
Today · 4.125%
HK$43,557
baseline
▲ 0.50% · 4.625%
HK$46,208
+HK$2,651/mo
Deposit HK$3.85M · loan HK$8.99M · min. income ≈ HK$87,114/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$481,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,598
−HK$2,463/mo
▼ 0.25% · 3.875%
HK$46,821
−HK$1,240/mo
Today · 4.125%
HK$48,061
baseline
▲ 0.50% · 4.625%
HK$50,595
+HK$2,534/mo
Deposit HK$3.85M · loan HK$8.99M · min. income ≈ HK$96,122/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$481,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,698
−HK$3,304/mo
▼ 0.25% · 3.875%
HK$54,337
−HK$1,665/mo
Today · 4.125%
HK$56,002
baseline
▲ 0.50% · 4.625%
HK$59,410
+HK$3,408/mo
Deposit HK$1.28M · loan HK$11.56M · min. income ≈ HK$112,004/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$481,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,626
−HK$3,167/mo
▼ 0.25% · 3.875%
HK$60,198
−HK$1,595/mo
Today · 4.125%
HK$61,793
baseline
▲ 0.50% · 4.625%
HK$65,050
+HK$3,257/mo
Deposit HK$1.28M · loan HK$11.56M · min. income ≈ HK$123,586/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$481,467 · Scale 2, in force from 26 Feb 2026)