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$29,282
−HK$1,836/mo
▼ 0.25% · 3.875%
HK$30,193
−HK$925/mo
Today · 4.125%
HK$31,118
baseline
▲ 0.50% · 4.625%
HK$33,012
+HK$1,894/mo
Deposit HK$6.42M · loan HK$6.42M · min. income ≈ HK$62,236/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$481,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,576
−HK$1,760/mo
▼ 0.25% · 3.875%
HK$33,449
−HK$887/mo
Today · 4.125%
HK$34,336
baseline
▲ 0.50% · 4.625%
HK$36,146
+HK$1,810/mo
Deposit HK$6.42M · loan HK$6.42M · min. income ≈ HK$68,672/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$481,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,138
−HK$2,204/mo
▼ 0.25% · 3.875%
HK$36,231
−HK$1,111/mo
Today · 4.125%
HK$37,342
baseline
▲ 0.50% · 4.625%
HK$39,614
+HK$2,272/mo
Deposit HK$5.14M · loan HK$7.70M · min. income ≈ HK$74,684/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$481,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,091
−HK$2,112/mo
▼ 0.25% · 3.875%
HK$40,139
−HK$1,064/mo
Today · 4.125%
HK$41,203
baseline
▲ 0.50% · 4.625%
HK$43,375
+HK$2,172/mo
Deposit HK$5.14M · loan HK$7.70M · min. income ≈ HK$82,406/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$481,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,995
−HK$2,570/mo
▼ 0.25% · 3.875%
HK$42,270
−HK$1,295/mo
Today · 4.125%
HK$43,565
baseline
▲ 0.50% · 4.625%
HK$46,216
+HK$2,651/mo
Deposit HK$3.85M · loan HK$8.99M · min. income ≈ HK$87,130/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$481,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,606
−HK$2,464/mo
▼ 0.25% · 3.875%
HK$46,829
−HK$1,241/mo
Today · 4.125%
HK$48,070
baseline
▲ 0.50% · 4.625%
HK$50,604
+HK$2,534/mo
Deposit HK$3.85M · loan HK$8.99M · min. income ≈ HK$96,140/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$481,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,707
−HK$3,306/mo
▼ 0.25% · 3.875%
HK$54,347
−HK$1,666/mo
Today · 4.125%
HK$56,013
baseline
▲ 0.50% · 4.625%
HK$59,421
+HK$3,408/mo
Deposit HK$1.28M · loan HK$11.56M · min. income ≈ HK$112,026/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$481,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,636
−HK$3,168/mo
▼ 0.25% · 3.875%
HK$60,209
−HK$1,595/mo
Today · 4.125%
HK$61,804
baseline
▲ 0.50% · 4.625%
HK$65,062
+HK$3,258/mo
Deposit HK$1.28M · loan HK$11.56M · min. income ≈ HK$123,608/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$481,556 · Scale 2, in force from 26 Feb 2026)