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$29,287
−HK$1,837/mo
▼ 0.25% · 3.875%
HK$30,198
−HK$926/mo
Today · 4.125%
HK$31,124
baseline
▲ 0.50% · 4.625%
HK$33,018
+HK$1,894/mo
Deposit HK$6.42M · loan HK$6.42M · min. income ≈ HK$62,248/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$481,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,582
−HK$1,760/mo
▼ 0.25% · 3.875%
HK$33,456
−HK$886/mo
Today · 4.125%
HK$34,342
baseline
▲ 0.50% · 4.625%
HK$36,153
+HK$1,811/mo
Deposit HK$6.42M · loan HK$6.42M · min. income ≈ HK$68,684/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$481,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,145
−HK$2,204/mo
▼ 0.25% · 3.875%
HK$36,238
−HK$1,111/mo
Today · 4.125%
HK$37,349
baseline
▲ 0.50% · 4.625%
HK$39,621
+HK$2,272/mo
Deposit HK$5.14M · loan HK$7.71M · min. income ≈ HK$74,698/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$481,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,098
−HK$2,113/mo
▼ 0.25% · 3.875%
HK$40,147
−HK$1,064/mo
Today · 4.125%
HK$41,211
baseline
▲ 0.50% · 4.625%
HK$43,383
+HK$2,172/mo
Deposit HK$5.14M · loan HK$7.71M · min. income ≈ HK$82,422/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$481,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,002
−HK$2,572/mo
▼ 0.25% · 3.875%
HK$42,278
−HK$1,296/mo
Today · 4.125%
HK$43,574
baseline
▲ 0.50% · 4.625%
HK$46,225
+HK$2,651/mo
Deposit HK$3.85M · loan HK$8.99M · min. income ≈ HK$87,148/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$481,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,615
−HK$2,464/mo
▼ 0.25% · 3.875%
HK$46,838
−HK$1,241/mo
Today · 4.125%
HK$48,079
baseline
▲ 0.50% · 4.625%
HK$50,614
+HK$2,535/mo
Deposit HK$3.85M · loan HK$8.99M · min. income ≈ HK$96,158/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$481,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,717
−HK$3,306/mo
▼ 0.25% · 3.875%
HK$54,357
−HK$1,666/mo
Today · 4.125%
HK$56,023
baseline
▲ 0.50% · 4.625%
HK$59,432
+HK$3,409/mo
Deposit HK$1.28M · loan HK$11.56M · min. income ≈ HK$112,046/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$481,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,648
−HK$3,168/mo
▼ 0.25% · 3.875%
HK$60,221
−HK$1,595/mo
Today · 4.125%
HK$61,816
baseline
▲ 0.50% · 4.625%
HK$65,075
+HK$3,259/mo
Deposit HK$1.28M · loan HK$11.56M · min. income ≈ HK$123,632/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$481,648 · Scale 2, in force from 26 Feb 2026)