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$29,245
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$30,155
−HK$924/mo
Today · 4.125%
HK$31,079
baseline
▲ 0.50% · 4.625%
HK$32,970
+HK$1,891/mo
Deposit HK$6.41M · loan HK$6.41M · min. income ≈ HK$62,158/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$480,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,535
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$33,407
−HK$886/mo
Today · 4.125%
HK$34,293
baseline
▲ 0.50% · 4.625%
HK$36,100
+HK$1,807/mo
Deposit HK$6.41M · loan HK$6.41M · min. income ≈ HK$68,586/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$480,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,094
−HK$2,201/mo
▼ 0.25% · 3.875%
HK$36,186
−HK$1,109/mo
Today · 4.125%
HK$37,295
baseline
▲ 0.50% · 4.625%
HK$39,564
+HK$2,269/mo
Deposit HK$5.13M · loan HK$7.70M · min. income ≈ HK$74,590/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$480,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,042
−HK$2,109/mo
▼ 0.25% · 3.875%
HK$40,089
−HK$1,062/mo
Today · 4.125%
HK$41,151
baseline
▲ 0.50% · 4.625%
HK$43,320
+HK$2,169/mo
Deposit HK$5.13M · loan HK$7.70M · min. income ≈ HK$82,302/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$480,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,943
−HK$2,568/mo
▼ 0.25% · 3.875%
HK$42,217
−HK$1,294/mo
Today · 4.125%
HK$43,511
baseline
▲ 0.50% · 4.625%
HK$46,158
+HK$2,647/mo
Deposit HK$3.85M · loan HK$8.98M · min. income ≈ HK$87,022/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$480,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,549
−HK$2,461/mo
▼ 0.25% · 3.875%
HK$46,770
−HK$1,240/mo
Today · 4.125%
HK$48,010
baseline
▲ 0.50% · 4.625%
HK$50,540
+HK$2,530/mo
Deposit HK$3.85M · loan HK$8.98M · min. income ≈ HK$96,020/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$480,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,641
−HK$3,301/mo
▼ 0.25% · 3.875%
HK$54,279
−HK$1,663/mo
Today · 4.125%
HK$55,942
baseline
▲ 0.50% · 4.625%
HK$59,346
+HK$3,404/mo
Deposit HK$1.28M · loan HK$11.54M · min. income ≈ HK$111,884/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$480,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,563
−HK$3,164/mo
▼ 0.25% · 3.875%
HK$60,133
−HK$1,594/mo
Today · 4.125%
HK$61,727
baseline
▲ 0.50% · 4.625%
HK$64,980
+HK$3,253/mo
Deposit HK$1.28M · loan HK$11.54M · min. income ≈ HK$123,454/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$480,951 · Scale 2, in force from 26 Feb 2026)