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$29,212
−HK$1,832/mo
▼ 0.25% · 3.875%
HK$30,120
−HK$924/mo
Today · 4.125%
HK$31,044
baseline
▲ 0.50% · 4.625%
HK$32,933
+HK$1,889/mo
Deposit HK$6.41M · loan HK$6.41M · min. income ≈ HK$62,088/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$480,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,498
−HK$1,756/mo
▼ 0.25% · 3.875%
HK$33,369
−HK$885/mo
Today · 4.125%
HK$34,254
baseline
▲ 0.50% · 4.625%
HK$36,059
+HK$1,805/mo
Deposit HK$6.41M · loan HK$6.41M · min. income ≈ HK$68,508/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$480,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,054
−HK$2,198/mo
▼ 0.25% · 3.875%
HK$36,144
−HK$1,108/mo
Today · 4.125%
HK$37,252
baseline
▲ 0.50% · 4.625%
HK$39,519
+HK$2,267/mo
Deposit HK$5.12M · loan HK$7.69M · min. income ≈ HK$74,504/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$480,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,997
−HK$2,107/mo
▼ 0.25% · 3.875%
HK$40,043
−HK$1,061/mo
Today · 4.125%
HK$41,104
baseline
▲ 0.50% · 4.625%
HK$43,271
+HK$2,167/mo
Deposit HK$5.12M · loan HK$7.69M · min. income ≈ HK$82,208/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$480,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,896
−HK$2,565/mo
▼ 0.25% · 3.875%
HK$42,169
−HK$1,292/mo
Today · 4.125%
HK$43,461
baseline
▲ 0.50% · 4.625%
HK$46,106
+HK$2,645/mo
Deposit HK$3.84M · loan HK$8.97M · min. income ≈ HK$86,922/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$480,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,497
−HK$2,458/mo
▼ 0.25% · 3.875%
HK$46,717
−HK$1,238/mo
Today · 4.125%
HK$47,955
baseline
▲ 0.50% · 4.625%
HK$50,483
+HK$2,528/mo
Deposit HK$3.84M · loan HK$8.97M · min. income ≈ HK$95,910/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$480,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,581
−HK$3,297/mo
▼ 0.25% · 3.875%
HK$54,217
−HK$1,661/mo
Today · 4.125%
HK$55,878
baseline
▲ 0.50% · 4.625%
HK$59,279
+HK$3,401/mo
Deposit HK$1.28M · loan HK$11.53M · min. income ≈ HK$111,756/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$480,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,496
−HK$3,160/mo
▼ 0.25% · 3.875%
HK$60,065
−HK$1,591/mo
Today · 4.125%
HK$61,656
baseline
▲ 0.50% · 4.625%
HK$64,906
+HK$3,250/mo
Deposit HK$1.28M · loan HK$11.53M · min. income ≈ HK$123,312/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$480,403 · Scale 2, in force from 26 Feb 2026)