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$29,286
−HK$1,836/mo
▼ 0.25% · 3.875%
HK$30,197
−HK$925/mo
Today · 4.125%
HK$31,122
baseline
▲ 0.50% · 4.625%
HK$33,016
+HK$1,894/mo
Deposit HK$6.42M · loan HK$6.42M · min. income ≈ HK$62,244/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$481,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,580
−HK$1,761/mo
▼ 0.25% · 3.875%
HK$33,454
−HK$887/mo
Today · 4.125%
HK$34,341
baseline
▲ 0.50% · 4.625%
HK$36,151
+HK$1,810/mo
Deposit HK$6.42M · loan HK$6.42M · min. income ≈ HK$68,682/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$481,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,143
−HK$2,204/mo
▼ 0.25% · 3.875%
HK$36,236
−HK$1,111/mo
Today · 4.125%
HK$37,347
baseline
▲ 0.50% · 4.625%
HK$39,619
+HK$2,272/mo
Deposit HK$5.14M · loan HK$7.71M · min. income ≈ HK$74,694/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$481,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,096
−HK$2,113/mo
▼ 0.25% · 3.875%
HK$40,145
−HK$1,064/mo
Today · 4.125%
HK$41,209
baseline
▲ 0.50% · 4.625%
HK$43,381
+HK$2,172/mo
Deposit HK$5.14M · loan HK$7.71M · min. income ≈ HK$82,418/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$481,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,000
−HK$2,571/mo
▼ 0.25% · 3.875%
HK$42,276
−HK$1,295/mo
Today · 4.125%
HK$43,571
baseline
▲ 0.50% · 4.625%
HK$46,223
+HK$2,652/mo
Deposit HK$3.85M · loan HK$8.99M · min. income ≈ HK$87,142/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$481,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,613
−HK$2,464/mo
▼ 0.25% · 3.875%
HK$46,836
−HK$1,241/mo
Today · 4.125%
HK$48,077
baseline
▲ 0.50% · 4.625%
HK$50,611
+HK$2,534/mo
Deposit HK$3.85M · loan HK$8.99M · min. income ≈ HK$96,154/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$481,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,715
−HK$3,305/mo
▼ 0.25% · 3.875%
HK$54,355
−HK$1,665/mo
Today · 4.125%
HK$56,020
baseline
▲ 0.50% · 4.625%
HK$59,429
+HK$3,409/mo
Deposit HK$1.28M · loan HK$11.56M · min. income ≈ HK$112,040/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$481,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,645
−HK$3,168/mo
▼ 0.25% · 3.875%
HK$60,217
−HK$1,596/mo
Today · 4.125%
HK$61,813
baseline
▲ 0.50% · 4.625%
HK$65,071
+HK$3,258/mo
Deposit HK$1.28M · loan HK$11.56M · min. income ≈ HK$123,626/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$481,624 · Scale 2, in force from 26 Feb 2026)