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$29,281
−HK$1,836/mo
▼ 0.25% · 3.875%
HK$30,192
−HK$925/mo
Today · 4.125%
HK$31,117
baseline
▲ 0.50% · 4.625%
HK$33,011
+HK$1,894/mo
Deposit HK$6.42M · loan HK$6.42M · min. income ≈ HK$62,234/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$481,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,575
−HK$1,760/mo
▼ 0.25% · 3.875%
HK$33,448
−HK$887/mo
Today · 4.125%
HK$34,335
baseline
▲ 0.50% · 4.625%
HK$36,144
+HK$1,809/mo
Deposit HK$6.42M · loan HK$6.42M · min. income ≈ HK$68,670/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$481,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,137
−HK$2,204/mo
▼ 0.25% · 3.875%
HK$36,230
−HK$1,111/mo
Today · 4.125%
HK$37,341
baseline
▲ 0.50% · 4.625%
HK$39,613
+HK$2,272/mo
Deposit HK$5.14M · loan HK$7.70M · min. income ≈ HK$74,682/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$481,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,090
−HK$2,112/mo
▼ 0.25% · 3.875%
HK$40,138
−HK$1,064/mo
Today · 4.125%
HK$41,202
baseline
▲ 0.50% · 4.625%
HK$43,373
+HK$2,171/mo
Deposit HK$5.14M · loan HK$7.70M · min. income ≈ HK$82,404/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$481,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,993
−HK$2,571/mo
▼ 0.25% · 3.875%
HK$42,268
−HK$1,296/mo
Today · 4.125%
HK$43,564
baseline
▲ 0.50% · 4.625%
HK$46,215
+HK$2,651/mo
Deposit HK$3.85M · loan HK$8.99M · min. income ≈ HK$87,128/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$481,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,605
−HK$2,464/mo
▼ 0.25% · 3.875%
HK$46,828
−HK$1,241/mo
Today · 4.125%
HK$48,069
baseline
▲ 0.50% · 4.625%
HK$50,602
+HK$2,533/mo
Deposit HK$3.85M · loan HK$8.99M · min. income ≈ HK$96,138/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$481,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,706
−HK$3,305/mo
▼ 0.25% · 3.875%
HK$54,345
−HK$1,666/mo
Today · 4.125%
HK$56,011
baseline
▲ 0.50% · 4.625%
HK$59,419
+HK$3,408/mo
Deposit HK$1.28M · loan HK$11.56M · min. income ≈ HK$112,022/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$481,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,635
−HK$3,167/mo
▼ 0.25% · 3.875%
HK$60,207
−HK$1,595/mo
Today · 4.125%
HK$61,802
baseline
▲ 0.50% · 4.625%
HK$65,060
+HK$3,258/mo
Deposit HK$1.28M · loan HK$11.56M · min. income ≈ HK$123,604/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$481,541 · Scale 2, in force from 26 Feb 2026)