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$29,248
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$30,158
−HK$924/mo
Today · 4.125%
HK$31,082
baseline
▲ 0.50% · 4.625%
HK$32,973
+HK$1,891/mo
Deposit HK$6.41M · loan HK$6.41M · min. income ≈ HK$62,164/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$480,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,538
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$33,411
−HK$885/mo
Today · 4.125%
HK$34,296
baseline
▲ 0.50% · 4.625%
HK$36,104
+HK$1,808/mo
Deposit HK$6.41M · loan HK$6.41M · min. income ≈ HK$68,592/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$480,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,097
−HK$2,201/mo
▼ 0.25% · 3.875%
HK$36,189
−HK$1,109/mo
Today · 4.125%
HK$37,298
baseline
▲ 0.50% · 4.625%
HK$39,568
+HK$2,270/mo
Deposit HK$5.13M · loan HK$7.70M · min. income ≈ HK$74,596/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$480,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,045
−HK$2,110/mo
▼ 0.25% · 3.875%
HK$40,093
−HK$1,062/mo
Today · 4.125%
HK$41,155
baseline
▲ 0.50% · 4.625%
HK$43,324
+HK$2,169/mo
Deposit HK$5.13M · loan HK$7.70M · min. income ≈ HK$82,310/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$480,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,947
−HK$2,568/mo
▼ 0.25% · 3.875%
HK$42,221
−HK$1,294/mo
Today · 4.125%
HK$43,515
baseline
▲ 0.50% · 4.625%
HK$46,162
+HK$2,647/mo
Deposit HK$3.85M · loan HK$8.98M · min. income ≈ HK$87,030/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$480,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,553
−HK$2,461/mo
▼ 0.25% · 3.875%
HK$46,775
−HK$1,239/mo
Today · 4.125%
HK$48,014
baseline
▲ 0.50% · 4.625%
HK$50,545
+HK$2,531/mo
Deposit HK$3.85M · loan HK$8.98M · min. income ≈ HK$96,028/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$480,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,646
−HK$3,301/mo
▼ 0.25% · 3.875%
HK$54,284
−HK$1,663/mo
Today · 4.125%
HK$55,947
baseline
▲ 0.50% · 4.625%
HK$59,352
+HK$3,405/mo
Deposit HK$1.28M · loan HK$11.54M · min. income ≈ HK$111,894/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$480,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,568
−HK$3,164/mo
▼ 0.25% · 3.875%
HK$60,139
−HK$1,593/mo
Today · 4.125%
HK$61,732
baseline
▲ 0.50% · 4.625%
HK$64,986
+HK$3,254/mo
Deposit HK$1.28M · loan HK$11.54M · min. income ≈ HK$123,464/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$480,996 · Scale 2, in force from 26 Feb 2026)