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$29,238
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$30,147
−HK$925/mo
Today · 4.125%
HK$31,072
baseline
▲ 0.50% · 4.625%
HK$32,962
+HK$1,890/mo
Deposit HK$6.41M · loan HK$6.41M · min. income ≈ HK$62,144/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$480,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,527
−HK$1,757/mo
▼ 0.25% · 3.875%
HK$33,399
−HK$885/mo
Today · 4.125%
HK$34,284
baseline
▲ 0.50% · 4.625%
HK$36,092
+HK$1,808/mo
Deposit HK$6.41M · loan HK$6.41M · min. income ≈ HK$68,568/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$480,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,086
−HK$2,200/mo
▼ 0.25% · 3.875%
HK$36,177
−HK$1,109/mo
Today · 4.125%
HK$37,286
baseline
▲ 0.50% · 4.625%
HK$39,555
+HK$2,269/mo
Deposit HK$5.13M · loan HK$7.69M · min. income ≈ HK$74,572/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$480,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,032
−HK$2,109/mo
▼ 0.25% · 3.875%
HK$40,079
−HK$1,062/mo
Today · 4.125%
HK$41,141
baseline
▲ 0.50% · 4.625%
HK$43,310
+HK$2,169/mo
Deposit HK$5.13M · loan HK$7.69M · min. income ≈ HK$82,282/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$480,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,933
−HK$2,567/mo
▼ 0.25% · 3.875%
HK$42,206
−HK$1,294/mo
Today · 4.125%
HK$43,500
baseline
▲ 0.50% · 4.625%
HK$46,147
+HK$2,647/mo
Deposit HK$3.85M · loan HK$8.98M · min. income ≈ HK$87,000/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$480,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,538
−HK$2,460/mo
▼ 0.25% · 3.875%
HK$46,759
−HK$1,239/mo
Today · 4.125%
HK$47,998
baseline
▲ 0.50% · 4.625%
HK$50,528
+HK$2,530/mo
Deposit HK$3.85M · loan HK$8.98M · min. income ≈ HK$95,996/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$480,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,628
−HK$3,301/mo
▼ 0.25% · 3.875%
HK$54,265
−HK$1,664/mo
Today · 4.125%
HK$55,929
baseline
▲ 0.50% · 4.625%
HK$59,332
+HK$3,403/mo
Deposit HK$1.28M · loan HK$11.54M · min. income ≈ HK$111,858/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$480,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,549
−HK$3,163/mo
▼ 0.25% · 3.875%
HK$60,119
−HK$1,593/mo
Today · 4.125%
HK$61,712
baseline
▲ 0.50% · 4.625%
HK$64,965
+HK$3,253/mo
Deposit HK$1.28M · loan HK$11.54M · min. income ≈ HK$123,424/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$480,835 · Scale 2, in force from 26 Feb 2026)