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$29,211
−HK$1,832/mo
▼ 0.25% · 3.875%
HK$30,120
−HK$923/mo
Today · 4.125%
HK$31,043
baseline
▲ 0.50% · 4.625%
HK$32,932
+HK$1,889/mo
Deposit HK$6.41M · loan HK$6.41M · min. income ≈ HK$62,086/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$480,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,497
−HK$1,756/mo
▼ 0.25% · 3.875%
HK$33,369
−HK$884/mo
Today · 4.125%
HK$34,253
baseline
▲ 0.50% · 4.625%
HK$36,058
+HK$1,805/mo
Deposit HK$6.41M · loan HK$6.41M · min. income ≈ HK$68,506/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$480,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,053
−HK$2,199/mo
▼ 0.25% · 3.875%
HK$36,144
−HK$1,108/mo
Today · 4.125%
HK$37,252
baseline
▲ 0.50% · 4.625%
HK$39,518
+HK$2,266/mo
Deposit HK$5.12M · loan HK$7.69M · min. income ≈ HK$74,504/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$480,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,997
−HK$2,106/mo
▼ 0.25% · 3.875%
HK$40,042
−HK$1,061/mo
Today · 4.125%
HK$41,103
baseline
▲ 0.50% · 4.625%
HK$43,270
+HK$2,167/mo
Deposit HK$5.12M · loan HK$7.69M · min. income ≈ HK$82,206/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$480,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,896
−HK$2,564/mo
▼ 0.25% · 3.875%
HK$42,168
−HK$1,292/mo
Today · 4.125%
HK$43,460
baseline
▲ 0.50% · 4.625%
HK$46,105
+HK$2,645/mo
Deposit HK$3.84M · loan HK$8.97M · min. income ≈ HK$86,920/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$480,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,496
−HK$2,458/mo
▼ 0.25% · 3.875%
HK$46,716
−HK$1,238/mo
Today · 4.125%
HK$47,954
baseline
▲ 0.50% · 4.625%
HK$50,482
+HK$2,528/mo
Deposit HK$3.84M · loan HK$8.97M · min. income ≈ HK$95,908/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$480,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,580
−HK$3,297/mo
▼ 0.25% · 3.875%
HK$54,216
−HK$1,661/mo
Today · 4.125%
HK$55,877
baseline
▲ 0.50% · 4.625%
HK$59,277
+HK$3,400/mo
Deposit HK$1.28M · loan HK$11.53M · min. income ≈ HK$111,754/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$480,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,495
−HK$3,160/mo
▼ 0.25% · 3.875%
HK$60,064
−HK$1,591/mo
Today · 4.125%
HK$61,655
baseline
▲ 0.50% · 4.625%
HK$64,905
+HK$3,250/mo
Deposit HK$1.28M · loan HK$11.53M · min. income ≈ HK$123,310/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$480,393 · Scale 2, in force from 26 Feb 2026)