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$29,266
−HK$1,835/mo
▼ 0.25% · 3.875%
HK$30,176
−HK$925/mo
Today · 4.125%
HK$31,101
baseline
▲ 0.50% · 4.625%
HK$32,994
+HK$1,893/mo
Deposit HK$6.42M · loan HK$6.42M · min. income ≈ HK$62,202/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$481,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,558
−HK$1,759/mo
▼ 0.25% · 3.875%
HK$33,431
−HK$886/mo
Today · 4.125%
HK$34,317
baseline
▲ 0.50% · 4.625%
HK$36,126
+HK$1,809/mo
Deposit HK$6.42M · loan HK$6.42M · min. income ≈ HK$68,634/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$481,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,119
−HK$2,202/mo
▼ 0.25% · 3.875%
HK$36,212
−HK$1,109/mo
Today · 4.125%
HK$37,321
baseline
▲ 0.50% · 4.625%
HK$39,592
+HK$2,271/mo
Deposit HK$5.13M · loan HK$7.70M · min. income ≈ HK$74,642/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$481,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,070
−HK$2,111/mo
▼ 0.25% · 3.875%
HK$40,118
−HK$1,063/mo
Today · 4.125%
HK$41,181
baseline
▲ 0.50% · 4.625%
HK$43,351
+HK$2,170/mo
Deposit HK$5.13M · loan HK$7.70M · min. income ≈ HK$82,362/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$481,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,972
−HK$2,570/mo
▼ 0.25% · 3.875%
HK$42,247
−HK$1,295/mo
Today · 4.125%
HK$43,542
baseline
▲ 0.50% · 4.625%
HK$46,191
+HK$2,649/mo
Deposit HK$3.85M · loan HK$8.98M · min. income ≈ HK$87,084/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$481,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,581
−HK$2,463/mo
▼ 0.25% · 3.875%
HK$46,804
−HK$1,240/mo
Today · 4.125%
HK$48,044
baseline
▲ 0.50% · 4.625%
HK$50,576
+HK$2,532/mo
Deposit HK$3.85M · loan HK$8.98M · min. income ≈ HK$96,088/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$481,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,679
−HK$3,303/mo
▼ 0.25% · 3.875%
HK$54,317
−HK$1,665/mo
Today · 4.125%
HK$55,982
baseline
▲ 0.50% · 4.625%
HK$59,389
+HK$3,407/mo
Deposit HK$1.28M · loan HK$11.55M · min. income ≈ HK$111,964/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$481,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,605
−HK$3,166/mo
▼ 0.25% · 3.875%
HK$60,176
−HK$1,595/mo
Today · 4.125%
HK$61,771
baseline
▲ 0.50% · 4.625%
HK$65,027
+HK$3,256/mo
Deposit HK$1.28M · loan HK$11.55M · min. income ≈ HK$123,542/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$481,294 · Scale 2, in force from 26 Feb 2026)