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$29,229
−HK$1,833/mo
▼ 0.25% · 3.875%
HK$30,138
−HK$924/mo
Today · 4.125%
HK$31,062
baseline
▲ 0.50% · 4.625%
HK$32,952
+HK$1,890/mo
Deposit HK$6.41M · loan HK$6.41M · min. income ≈ HK$62,124/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$480,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,517
−HK$1,757/mo
▼ 0.25% · 3.875%
HK$33,389
−HK$885/mo
Today · 4.125%
HK$34,274
baseline
▲ 0.50% · 4.625%
HK$36,080
+HK$1,806/mo
Deposit HK$6.41M · loan HK$6.41M · min. income ≈ HK$68,548/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$480,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,075
−HK$2,199/mo
▼ 0.25% · 3.875%
HK$36,166
−HK$1,108/mo
Today · 4.125%
HK$37,274
baseline
▲ 0.50% · 4.625%
HK$39,542
+HK$2,268/mo
Deposit HK$5.13M · loan HK$7.69M · min. income ≈ HK$74,548/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$480,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,020
−HK$2,109/mo
▼ 0.25% · 3.875%
HK$40,067
−HK$1,062/mo
Today · 4.125%
HK$41,129
baseline
▲ 0.50% · 4.625%
HK$43,297
+HK$2,168/mo
Deposit HK$5.13M · loan HK$7.69M · min. income ≈ HK$82,258/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$480,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,921
−HK$2,566/mo
▼ 0.25% · 3.875%
HK$42,194
−HK$1,293/mo
Today · 4.125%
HK$43,487
baseline
▲ 0.50% · 4.625%
HK$46,133
+HK$2,646/mo
Deposit HK$3.85M · loan HK$8.97M · min. income ≈ HK$86,974/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$480,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,524
−HK$2,459/mo
▼ 0.25% · 3.875%
HK$46,745
−HK$1,238/mo
Today · 4.125%
HK$47,983
baseline
▲ 0.50% · 4.625%
HK$50,513
+HK$2,530/mo
Deposit HK$3.85M · loan HK$8.97M · min. income ≈ HK$95,966/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$480,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,612
−HK$3,300/mo
▼ 0.25% · 3.875%
HK$54,249
−HK$1,663/mo
Today · 4.125%
HK$55,912
baseline
▲ 0.50% · 4.625%
HK$59,314
+HK$3,402/mo
Deposit HK$1.28M · loan HK$11.54M · min. income ≈ HK$111,824/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$480,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,531
−HK$3,162/mo
▼ 0.25% · 3.875%
HK$60,100
−HK$1,593/mo
Today · 4.125%
HK$61,693
baseline
▲ 0.50% · 4.625%
HK$64,945
+HK$3,252/mo
Deposit HK$1.28M · loan HK$11.54M · min. income ≈ HK$123,386/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$480,687 · Scale 2, in force from 26 Feb 2026)