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$29,299
−HK$1,837/mo
▼ 0.25% · 3.875%
HK$30,210
−HK$926/mo
Today · 4.125%
HK$31,136
baseline
▲ 0.50% · 4.625%
HK$33,031
+HK$1,895/mo
Deposit HK$6.42M · loan HK$6.42M · min. income ≈ HK$62,272/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$481,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,595
−HK$1,761/mo
▼ 0.25% · 3.875%
HK$33,469
−HK$887/mo
Today · 4.125%
HK$34,356
baseline
▲ 0.50% · 4.625%
HK$36,167
+HK$1,811/mo
Deposit HK$6.42M · loan HK$6.42M · min. income ≈ HK$68,712/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$481,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,159
−HK$2,205/mo
▼ 0.25% · 3.875%
HK$36,253
−HK$1,111/mo
Today · 4.125%
HK$37,364
baseline
▲ 0.50% · 4.625%
HK$39,637
+HK$2,273/mo
Deposit HK$5.14M · loan HK$7.71M · min. income ≈ HK$74,728/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$481,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,114
−HK$2,113/mo
▼ 0.25% · 3.875%
HK$40,163
−HK$1,064/mo
Today · 4.125%
HK$41,227
baseline
▲ 0.50% · 4.625%
HK$43,400
+HK$2,173/mo
Deposit HK$5.14M · loan HK$7.71M · min. income ≈ HK$82,454/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$481,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,019
−HK$2,572/mo
▼ 0.25% · 3.875%
HK$42,295
−HK$1,296/mo
Today · 4.125%
HK$43,591
baseline
▲ 0.50% · 4.625%
HK$46,243
+HK$2,652/mo
Deposit HK$3.85M · loan HK$8.99M · min. income ≈ HK$87,182/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$481,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,633
−HK$2,465/mo
▼ 0.25% · 3.875%
HK$46,857
−HK$1,241/mo
Today · 4.125%
HK$48,098
baseline
▲ 0.50% · 4.625%
HK$50,634
+HK$2,536/mo
Deposit HK$3.85M · loan HK$8.99M · min. income ≈ HK$96,196/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$481,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,738
−HK$3,307/mo
▼ 0.25% · 3.875%
HK$54,379
−HK$1,666/mo
Today · 4.125%
HK$56,045
baseline
▲ 0.50% · 4.625%
HK$59,456
+HK$3,411/mo
Deposit HK$1.28M · loan HK$11.56M · min. income ≈ HK$112,090/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$481,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,671
−HK$3,170/mo
▼ 0.25% · 3.875%
HK$60,244
−HK$1,597/mo
Today · 4.125%
HK$61,841
baseline
▲ 0.50% · 4.625%
HK$65,100
+HK$3,259/mo
Deposit HK$1.28M · loan HK$11.56M · min. income ≈ HK$123,682/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$481,839 · Scale 2, in force from 26 Feb 2026)