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$29,256
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$30,166
−HK$924/mo
Today · 4.125%
HK$31,090
baseline
▲ 0.50% · 4.625%
HK$32,982
+HK$1,892/mo
Deposit HK$6.41M · loan HK$6.41M · min. income ≈ HK$62,180/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$481,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,547
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$33,420
−HK$885/mo
Today · 4.125%
HK$34,305
baseline
▲ 0.50% · 4.625%
HK$36,113
+HK$1,808/mo
Deposit HK$6.41M · loan HK$6.41M · min. income ≈ HK$68,610/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$481,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,107
−HK$2,201/mo
▼ 0.25% · 3.875%
HK$36,199
−HK$1,109/mo
Today · 4.125%
HK$37,308
baseline
▲ 0.50% · 4.625%
HK$39,578
+HK$2,270/mo
Deposit HK$5.13M · loan HK$7.70M · min. income ≈ HK$74,616/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$481,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,056
−HK$2,110/mo
▼ 0.25% · 3.875%
HK$40,103
−HK$1,063/mo
Today · 4.125%
HK$41,166
baseline
▲ 0.50% · 4.625%
HK$43,336
+HK$2,170/mo
Deposit HK$5.13M · loan HK$7.70M · min. income ≈ HK$82,332/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$481,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,958
−HK$2,568/mo
▼ 0.25% · 3.875%
HK$42,232
−HK$1,294/mo
Today · 4.125%
HK$43,526
baseline
▲ 0.50% · 4.625%
HK$46,175
+HK$2,649/mo
Deposit HK$3.85M · loan HK$8.98M · min. income ≈ HK$87,052/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$481,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,565
−HK$2,462/mo
▼ 0.25% · 3.875%
HK$46,787
−HK$1,240/mo
Today · 4.125%
HK$48,027
baseline
▲ 0.50% · 4.625%
HK$50,559
+HK$2,532/mo
Deposit HK$3.85M · loan HK$8.98M · min. income ≈ HK$96,054/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$481,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,660
−HK$3,302/mo
▼ 0.25% · 3.875%
HK$54,298
−HK$1,664/mo
Today · 4.125%
HK$55,962
baseline
▲ 0.50% · 4.625%
HK$59,368
+HK$3,406/mo
Deposit HK$1.28M · loan HK$11.55M · min. income ≈ HK$111,924/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$481,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,584
−HK$3,165/mo
▼ 0.25% · 3.875%
HK$60,155
−HK$1,594/mo
Today · 4.125%
HK$61,749
baseline
▲ 0.50% · 4.625%
HK$65,004
+HK$3,255/mo
Deposit HK$1.28M · loan HK$11.55M · min. income ≈ HK$123,498/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$481,125 · Scale 2, in force from 26 Feb 2026)