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$29,226
−HK$1,833/mo
▼ 0.25% · 3.875%
HK$30,135
−HK$924/mo
Today · 4.125%
HK$31,059
baseline
▲ 0.50% · 4.625%
HK$32,949
+HK$1,890/mo
Deposit HK$6.41M · loan HK$6.41M · min. income ≈ HK$62,118/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$480,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,514
−HK$1,757/mo
▼ 0.25% · 3.875%
HK$33,386
−HK$885/mo
Today · 4.125%
HK$34,271
baseline
▲ 0.50% · 4.625%
HK$36,077
+HK$1,806/mo
Deposit HK$6.41M · loan HK$6.41M · min. income ≈ HK$68,542/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$480,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,071
−HK$2,200/mo
▼ 0.25% · 3.875%
HK$36,162
−HK$1,109/mo
Today · 4.125%
HK$37,271
baseline
▲ 0.50% · 4.625%
HK$39,539
+HK$2,268/mo
Deposit HK$5.13M · loan HK$7.69M · min. income ≈ HK$74,542/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$480,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,017
−HK$2,108/mo
▼ 0.25% · 3.875%
HK$40,063
−HK$1,062/mo
Today · 4.125%
HK$41,125
baseline
▲ 0.50% · 4.625%
HK$43,292
+HK$2,167/mo
Deposit HK$5.13M · loan HK$7.69M · min. income ≈ HK$82,250/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$480,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,917
−HK$2,566/mo
▼ 0.25% · 3.875%
HK$42,189
−HK$1,294/mo
Today · 4.125%
HK$43,483
baseline
▲ 0.50% · 4.625%
HK$46,128
+HK$2,645/mo
Deposit HK$3.85M · loan HK$8.97M · min. income ≈ HK$86,966/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$480,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,519
−HK$2,460/mo
▼ 0.25% · 3.875%
HK$46,740
−HK$1,239/mo
Today · 4.125%
HK$47,979
baseline
▲ 0.50% · 4.625%
HK$50,508
+HK$2,529/mo
Deposit HK$3.85M · loan HK$8.97M · min. income ≈ HK$95,958/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$480,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,607
−HK$3,299/mo
▼ 0.25% · 3.875%
HK$54,244
−HK$1,662/mo
Today · 4.125%
HK$55,906
baseline
▲ 0.50% · 4.625%
HK$59,308
+HK$3,402/mo
Deposit HK$1.28M · loan HK$11.54M · min. income ≈ HK$111,812/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$480,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,525
−HK$3,162/mo
▼ 0.25% · 3.875%
HK$60,095
−HK$1,592/mo
Today · 4.125%
HK$61,687
baseline
▲ 0.50% · 4.625%
HK$64,939
+HK$3,252/mo
Deposit HK$1.28M · loan HK$11.54M · min. income ≈ HK$123,374/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$480,641 · Scale 2, in force from 26 Feb 2026)