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$29,225
−HK$1,833/mo
▼ 0.25% · 3.875%
HK$30,135
−HK$923/mo
Today · 4.125%
HK$31,058
baseline
▲ 0.50% · 4.625%
HK$32,948
+HK$1,890/mo
Deposit HK$6.41M · loan HK$6.41M · min. income ≈ HK$62,116/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$480,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,513
−HK$1,757/mo
▼ 0.25% · 3.875%
HK$33,385
−HK$885/mo
Today · 4.125%
HK$34,270
baseline
▲ 0.50% · 4.625%
HK$36,076
+HK$1,806/mo
Deposit HK$6.41M · loan HK$6.41M · min. income ≈ HK$68,540/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$480,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,071
−HK$2,199/mo
▼ 0.25% · 3.875%
HK$36,161
−HK$1,109/mo
Today · 4.125%
HK$37,270
baseline
▲ 0.50% · 4.625%
HK$39,538
+HK$2,268/mo
Deposit HK$5.13M · loan HK$7.69M · min. income ≈ HK$74,540/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$480,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,016
−HK$2,108/mo
▼ 0.25% · 3.875%
HK$40,062
−HK$1,062/mo
Today · 4.125%
HK$41,124
baseline
▲ 0.50% · 4.625%
HK$43,291
+HK$2,167/mo
Deposit HK$5.13M · loan HK$7.69M · min. income ≈ HK$82,248/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$480,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,916
−HK$2,565/mo
▼ 0.25% · 3.875%
HK$42,188
−HK$1,293/mo
Today · 4.125%
HK$43,481
baseline
▲ 0.50% · 4.625%
HK$46,127
+HK$2,646/mo
Deposit HK$3.85M · loan HK$8.97M · min. income ≈ HK$86,962/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$480,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,518
−HK$2,459/mo
▼ 0.25% · 3.875%
HK$46,739
−HK$1,238/mo
Today · 4.125%
HK$47,977
baseline
▲ 0.50% · 4.625%
HK$50,506
+HK$2,529/mo
Deposit HK$3.85M · loan HK$8.97M · min. income ≈ HK$95,954/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$480,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,606
−HK$3,299/mo
▼ 0.25% · 3.875%
HK$54,242
−HK$1,663/mo
Today · 4.125%
HK$55,905
baseline
▲ 0.50% · 4.625%
HK$59,306
+HK$3,401/mo
Deposit HK$1.28M · loan HK$11.54M · min. income ≈ HK$111,810/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$480,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,523
−HK$3,162/mo
▼ 0.25% · 3.875%
HK$60,093
−HK$1,592/mo
Today · 4.125%
HK$61,685
baseline
▲ 0.50% · 4.625%
HK$64,937
+HK$3,252/mo
Deposit HK$1.28M · loan HK$11.54M · min. income ≈ HK$123,370/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$480,628 · Scale 2, in force from 26 Feb 2026)