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$29,253
−HK$1,835/mo
▼ 0.25% · 3.875%
HK$30,163
−HK$925/mo
Today · 4.125%
HK$31,088
baseline
▲ 0.50% · 4.625%
HK$32,980
+HK$1,892/mo
Deposit HK$6.41M · loan HK$6.41M · min. income ≈ HK$62,176/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$481,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,544
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$33,417
−HK$885/mo
Today · 4.125%
HK$34,302
baseline
▲ 0.50% · 4.625%
HK$36,111
+HK$1,809/mo
Deposit HK$6.41M · loan HK$6.41M · min. income ≈ HK$68,604/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$481,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,104
−HK$2,201/mo
▼ 0.25% · 3.875%
HK$36,196
−HK$1,109/mo
Today · 4.125%
HK$37,305
baseline
▲ 0.50% · 4.625%
HK$39,575
+HK$2,270/mo
Deposit HK$5.13M · loan HK$7.70M · min. income ≈ HK$74,610/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$481,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,053
−HK$2,110/mo
▼ 0.25% · 3.875%
HK$40,100
−HK$1,063/mo
Today · 4.125%
HK$41,163
baseline
▲ 0.50% · 4.625%
HK$43,333
+HK$2,170/mo
Deposit HK$5.13M · loan HK$7.70M · min. income ≈ HK$82,326/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$481,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,955
−HK$2,568/mo
▼ 0.25% · 3.875%
HK$42,229
−HK$1,294/mo
Today · 4.125%
HK$43,523
baseline
▲ 0.50% · 4.625%
HK$46,171
+HK$2,648/mo
Deposit HK$3.85M · loan HK$8.98M · min. income ≈ HK$87,046/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$481,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,562
−HK$2,461/mo
▼ 0.25% · 3.875%
HK$46,784
−HK$1,239/mo
Today · 4.125%
HK$48,023
baseline
▲ 0.50% · 4.625%
HK$50,555
+HK$2,532/mo
Deposit HK$3.85M · loan HK$8.98M · min. income ≈ HK$96,046/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$481,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,656
−HK$3,302/mo
▼ 0.25% · 3.875%
HK$54,294
−HK$1,664/mo
Today · 4.125%
HK$55,958
baseline
▲ 0.50% · 4.625%
HK$59,363
+HK$3,405/mo
Deposit HK$1.28M · loan HK$11.55M · min. income ≈ HK$111,916/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$481,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,580
−HK$3,164/mo
▼ 0.25% · 3.875%
HK$60,151
−HK$1,593/mo
Today · 4.125%
HK$61,744
baseline
▲ 0.50% · 4.625%
HK$64,999
+HK$3,255/mo
Deposit HK$1.28M · loan HK$11.55M · min. income ≈ HK$123,488/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$481,089 · Scale 2, in force from 26 Feb 2026)