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$29,263
−HK$1,835/mo
▼ 0.25% · 3.875%
HK$30,174
−HK$924/mo
Today · 4.125%
HK$31,098
baseline
▲ 0.50% · 4.625%
HK$32,991
+HK$1,893/mo
Deposit HK$6.42M · loan HK$6.42M · min. income ≈ HK$62,196/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$481,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,555
−HK$1,759/mo
▼ 0.25% · 3.875%
HK$33,428
−HK$886/mo
Today · 4.125%
HK$34,314
baseline
▲ 0.50% · 4.625%
HK$36,123
+HK$1,809/mo
Deposit HK$6.42M · loan HK$6.42M · min. income ≈ HK$68,628/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$481,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,116
−HK$2,202/mo
▼ 0.25% · 3.875%
HK$36,208
−HK$1,110/mo
Today · 4.125%
HK$37,318
baseline
▲ 0.50% · 4.625%
HK$39,589
+HK$2,271/mo
Deposit HK$5.13M · loan HK$7.70M · min. income ≈ HK$74,636/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$481,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,066
−HK$2,111/mo
▼ 0.25% · 3.875%
HK$40,114
−HK$1,063/mo
Today · 4.125%
HK$41,177
baseline
▲ 0.50% · 4.625%
HK$43,347
+HK$2,170/mo
Deposit HK$5.13M · loan HK$7.70M · min. income ≈ HK$82,354/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$481,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,969
−HK$2,569/mo
▼ 0.25% · 3.875%
HK$42,243
−HK$1,295/mo
Today · 4.125%
HK$43,538
baseline
▲ 0.50% · 4.625%
HK$46,187
+HK$2,649/mo
Deposit HK$3.85M · loan HK$8.98M · min. income ≈ HK$87,076/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$481,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,577
−HK$2,463/mo
▼ 0.25% · 3.875%
HK$46,800
−HK$1,240/mo
Today · 4.125%
HK$48,040
baseline
▲ 0.50% · 4.625%
HK$50,572
+HK$2,532/mo
Deposit HK$3.85M · loan HK$8.98M · min. income ≈ HK$96,080/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$481,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,674
−HK$3,303/mo
▼ 0.25% · 3.875%
HK$54,313
−HK$1,664/mo
Today · 4.125%
HK$55,977
baseline
▲ 0.50% · 4.625%
HK$59,383
+HK$3,406/mo
Deposit HK$1.28M · loan HK$11.55M · min. income ≈ HK$111,954/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$481,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,599
−HK$3,166/mo
▼ 0.25% · 3.875%
HK$60,171
−HK$1,594/mo
Today · 4.125%
HK$61,765
baseline
▲ 0.50% · 4.625%
HK$65,021
+HK$3,256/mo
Deposit HK$1.28M · loan HK$11.55M · min. income ≈ HK$123,530/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$481,252 · Scale 2, in force from 26 Feb 2026)