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$29,294
−HK$1,837/mo
▼ 0.25% · 3.875%
HK$30,205
−HK$926/mo
Today · 4.125%
HK$31,131
baseline
▲ 0.50% · 4.625%
HK$33,025
+HK$1,894/mo
Deposit HK$6.42M · loan HK$6.42M · min. income ≈ HK$62,262/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$481,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,589
−HK$1,761/mo
▼ 0.25% · 3.875%
HK$33,463
−HK$887/mo
Today · 4.125%
HK$34,350
baseline
▲ 0.50% · 4.625%
HK$36,160
+HK$1,810/mo
Deposit HK$6.42M · loan HK$6.42M · min. income ≈ HK$68,700/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$481,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,152
−HK$2,205/mo
▼ 0.25% · 3.875%
HK$36,246
−HK$1,111/mo
Today · 4.125%
HK$37,357
baseline
▲ 0.50% · 4.625%
HK$39,630
+HK$2,273/mo
Deposit HK$5.14M · loan HK$7.71M · min. income ≈ HK$74,714/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$481,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,107
−HK$2,113/mo
▼ 0.25% · 3.875%
HK$40,156
−HK$1,064/mo
Today · 4.125%
HK$41,220
baseline
▲ 0.50% · 4.625%
HK$43,392
+HK$2,172/mo
Deposit HK$5.14M · loan HK$7.71M · min. income ≈ HK$82,440/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$481,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,011
−HK$2,572/mo
▼ 0.25% · 3.875%
HK$42,287
−HK$1,296/mo
Today · 4.125%
HK$43,583
baseline
▲ 0.50% · 4.625%
HK$46,235
+HK$2,652/mo
Deposit HK$3.85M · loan HK$8.99M · min. income ≈ HK$87,166/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$481,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,625
−HK$2,465/mo
▼ 0.25% · 3.875%
HK$46,848
−HK$1,242/mo
Today · 4.125%
HK$48,090
baseline
▲ 0.50% · 4.625%
HK$50,624
+HK$2,534/mo
Deposit HK$3.85M · loan HK$8.99M · min. income ≈ HK$96,180/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$481,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,729
−HK$3,306/mo
▼ 0.25% · 3.875%
HK$54,369
−HK$1,666/mo
Today · 4.125%
HK$56,035
baseline
▲ 0.50% · 4.625%
HK$59,445
+HK$3,410/mo
Deposit HK$1.28M · loan HK$11.56M · min. income ≈ HK$112,070/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$481,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,660
−HK$3,169/mo
▼ 0.25% · 3.875%
HK$60,233
−HK$1,596/mo
Today · 4.125%
HK$61,829
baseline
▲ 0.50% · 4.625%
HK$65,089
+HK$3,260/mo
Deposit HK$1.28M · loan HK$11.56M · min. income ≈ HK$123,658/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$481,751 · Scale 2, in force from 26 Feb 2026)