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$29,235
−HK$1,833/mo
▼ 0.25% · 3.875%
HK$30,144
−HK$924/mo
Today · 4.125%
HK$31,068
baseline
▲ 0.50% · 4.625%
HK$32,959
+HK$1,891/mo
Deposit HK$6.41M · loan HK$6.41M · min. income ≈ HK$62,136/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$480,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,524
−HK$1,757/mo
▼ 0.25% · 3.875%
HK$33,396
−HK$885/mo
Today · 4.125%
HK$34,281
baseline
▲ 0.50% · 4.625%
HK$36,088
+HK$1,807/mo
Deposit HK$6.41M · loan HK$6.41M · min. income ≈ HK$68,562/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$480,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,082
−HK$2,200/mo
▼ 0.25% · 3.875%
HK$36,173
−HK$1,109/mo
Today · 4.125%
HK$37,282
baseline
▲ 0.50% · 4.625%
HK$39,550
+HK$2,268/mo
Deposit HK$5.13M · loan HK$7.69M · min. income ≈ HK$74,564/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$480,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,028
−HK$2,109/mo
▼ 0.25% · 3.875%
HK$40,075
−HK$1,062/mo
Today · 4.125%
HK$41,137
baseline
▲ 0.50% · 4.625%
HK$43,305
+HK$2,168/mo
Deposit HK$5.13M · loan HK$7.69M · min. income ≈ HK$82,274/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$480,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,929
−HK$2,567/mo
▼ 0.25% · 3.875%
HK$42,202
−HK$1,294/mo
Today · 4.125%
HK$43,496
baseline
▲ 0.50% · 4.625%
HK$46,142
+HK$2,646/mo
Deposit HK$3.85M · loan HK$8.97M · min. income ≈ HK$86,992/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$480,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,533
−HK$2,460/mo
▼ 0.25% · 3.875%
HK$46,754
−HK$1,239/mo
Today · 4.125%
HK$47,993
baseline
▲ 0.50% · 4.625%
HK$50,523
+HK$2,530/mo
Deposit HK$3.85M · loan HK$8.97M · min. income ≈ HK$95,986/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$480,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,623
−HK$3,300/mo
▼ 0.25% · 3.875%
HK$54,260
−HK$1,663/mo
Today · 4.125%
HK$55,923
baseline
▲ 0.50% · 4.625%
HK$59,326
+HK$3,403/mo
Deposit HK$1.28M · loan HK$11.54M · min. income ≈ HK$111,846/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$480,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,542
−HK$3,163/mo
▼ 0.25% · 3.875%
HK$60,113
−HK$1,592/mo
Today · 4.125%
HK$61,705
baseline
▲ 0.50% · 4.625%
HK$64,958
+HK$3,253/mo
Deposit HK$1.28M · loan HK$11.54M · min. income ≈ HK$123,410/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$480,785 · Scale 2, in force from 26 Feb 2026)