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$29,257
−HK$1,835/mo
▼ 0.25% · 3.875%
HK$30,167
−HK$925/mo
Today · 4.125%
HK$31,092
baseline
▲ 0.50% · 4.625%
HK$32,984
+HK$1,892/mo
Deposit HK$6.42M · loan HK$6.42M · min. income ≈ HK$62,184/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$481,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,548
−HK$1,759/mo
▼ 0.25% · 3.875%
HK$33,421
−HK$886/mo
Today · 4.125%
HK$34,307
baseline
▲ 0.50% · 4.625%
HK$36,115
+HK$1,808/mo
Deposit HK$6.42M · loan HK$6.42M · min. income ≈ HK$68,614/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$481,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,108
−HK$2,202/mo
▼ 0.25% · 3.875%
HK$36,200
−HK$1,110/mo
Today · 4.125%
HK$37,310
baseline
▲ 0.50% · 4.625%
HK$39,580
+HK$2,270/mo
Deposit HK$5.13M · loan HK$7.70M · min. income ≈ HK$74,620/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$481,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,058
−HK$2,110/mo
▼ 0.25% · 3.875%
HK$40,105
−HK$1,063/mo
Today · 4.125%
HK$41,168
baseline
▲ 0.50% · 4.625%
HK$43,338
+HK$2,170/mo
Deposit HK$5.13M · loan HK$7.70M · min. income ≈ HK$82,336/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$481,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,960
−HK$2,568/mo
▼ 0.25% · 3.875%
HK$42,234
−HK$1,294/mo
Today · 4.125%
HK$43,528
baseline
▲ 0.50% · 4.625%
HK$46,177
+HK$2,649/mo
Deposit HK$3.85M · loan HK$8.98M · min. income ≈ HK$87,056/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$481,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,567
−HK$2,462/mo
▼ 0.25% · 3.875%
HK$46,789
−HK$1,240/mo
Today · 4.125%
HK$48,029
baseline
▲ 0.50% · 4.625%
HK$50,561
+HK$2,532/mo
Deposit HK$3.85M · loan HK$8.98M · min. income ≈ HK$96,058/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$481,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,663
−HK$3,302/mo
▼ 0.25% · 3.875%
HK$54,301
−HK$1,664/mo
Today · 4.125%
HK$55,965
baseline
▲ 0.50% · 4.625%
HK$59,370
+HK$3,405/mo
Deposit HK$1.28M · loan HK$11.55M · min. income ≈ HK$111,930/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$481,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,587
−HK$3,165/mo
▼ 0.25% · 3.875%
HK$60,158
−HK$1,594/mo
Today · 4.125%
HK$61,752
baseline
▲ 0.50% · 4.625%
HK$65,007
+HK$3,255/mo
Deposit HK$1.28M · loan HK$11.55M · min. income ≈ HK$123,504/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$481,147 · Scale 2, in force from 26 Feb 2026)