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$29,284
−HK$1,836/mo
▼ 0.25% · 3.875%
HK$30,195
−HK$925/mo
Today · 4.125%
HK$31,120
baseline
▲ 0.50% · 4.625%
HK$33,014
+HK$1,894/mo
Deposit HK$6.42M · loan HK$6.42M · min. income ≈ HK$62,240/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$481,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,578
−HK$1,760/mo
▼ 0.25% · 3.875%
HK$33,452
−HK$886/mo
Today · 4.125%
HK$34,338
baseline
▲ 0.50% · 4.625%
HK$36,148
+HK$1,810/mo
Deposit HK$6.42M · loan HK$6.42M · min. income ≈ HK$68,676/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$481,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,141
−HK$2,203/mo
▼ 0.25% · 3.875%
HK$36,234
−HK$1,110/mo
Today · 4.125%
HK$37,344
baseline
▲ 0.50% · 4.625%
HK$39,617
+HK$2,273/mo
Deposit HK$5.14M · loan HK$7.71M · min. income ≈ HK$74,688/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$481,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,094
−HK$2,112/mo
▼ 0.25% · 3.875%
HK$40,142
−HK$1,064/mo
Today · 4.125%
HK$41,206
baseline
▲ 0.50% · 4.625%
HK$43,378
+HK$2,172/mo
Deposit HK$5.14M · loan HK$7.71M · min. income ≈ HK$82,412/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$481,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,997
−HK$2,571/mo
▼ 0.25% · 3.875%
HK$42,273
−HK$1,295/mo
Today · 4.125%
HK$43,568
baseline
▲ 0.50% · 4.625%
HK$46,219
+HK$2,651/mo
Deposit HK$3.85M · loan HK$8.99M · min. income ≈ HK$87,136/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$481,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,609
−HK$2,464/mo
▼ 0.25% · 3.875%
HK$46,832
−HK$1,241/mo
Today · 4.125%
HK$48,073
baseline
▲ 0.50% · 4.625%
HK$50,607
+HK$2,534/mo
Deposit HK$3.85M · loan HK$8.99M · min. income ≈ HK$96,146/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$481,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,711
−HK$3,305/mo
▼ 0.25% · 3.875%
HK$54,351
−HK$1,665/mo
Today · 4.125%
HK$56,016
baseline
▲ 0.50% · 4.625%
HK$59,425
+HK$3,409/mo
Deposit HK$1.28M · loan HK$11.56M · min. income ≈ HK$112,032/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$481,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,640
−HK$3,169/mo
▼ 0.25% · 3.875%
HK$60,213
−HK$1,596/mo
Today · 4.125%
HK$61,809
baseline
▲ 0.50% · 4.625%
HK$65,067
+HK$3,258/mo
Deposit HK$1.28M · loan HK$11.56M · min. income ≈ HK$123,618/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$481,589 · Scale 2, in force from 26 Feb 2026)