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$29,272
−HK$1,835/mo
▼ 0.25% · 3.875%
HK$30,182
−HK$925/mo
Today · 4.125%
HK$31,107
baseline
▲ 0.50% · 4.625%
HK$33,000
+HK$1,893/mo
Deposit HK$6.42M · loan HK$6.42M · min. income ≈ HK$62,214/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$481,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,564
−HK$1,760/mo
▼ 0.25% · 3.875%
HK$33,438
−HK$886/mo
Today · 4.125%
HK$34,324
baseline
▲ 0.50% · 4.625%
HK$36,133
+HK$1,809/mo
Deposit HK$6.42M · loan HK$6.42M · min. income ≈ HK$68,648/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$481,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,126
−HK$2,203/mo
▼ 0.25% · 3.875%
HK$36,218
−HK$1,111/mo
Today · 4.125%
HK$37,329
baseline
▲ 0.50% · 4.625%
HK$39,600
+HK$2,271/mo
Deposit HK$5.13M · loan HK$7.70M · min. income ≈ HK$74,658/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$481,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,077
−HK$2,111/mo
▼ 0.25% · 3.875%
HK$40,125
−HK$1,063/mo
Today · 4.125%
HK$41,188
baseline
▲ 0.50% · 4.625%
HK$43,359
+HK$2,171/mo
Deposit HK$5.13M · loan HK$7.70M · min. income ≈ HK$82,376/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$481,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,980
−HK$2,570/mo
▼ 0.25% · 3.875%
HK$42,255
−HK$1,295/mo
Today · 4.125%
HK$43,550
baseline
▲ 0.50% · 4.625%
HK$46,200
+HK$2,650/mo
Deposit HK$3.85M · loan HK$8.99M · min. income ≈ HK$87,100/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$481,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,590
−HK$2,463/mo
▼ 0.25% · 3.875%
HK$46,813
−HK$1,240/mo
Today · 4.125%
HK$48,053
baseline
▲ 0.50% · 4.625%
HK$50,586
+HK$2,533/mo
Deposit HK$3.85M · loan HK$8.99M · min. income ≈ HK$96,106/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$481,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,689
−HK$3,304/mo
▼ 0.25% · 3.875%
HK$54,328
−HK$1,665/mo
Today · 4.125%
HK$55,993
baseline
▲ 0.50% · 4.625%
HK$59,400
+HK$3,407/mo
Deposit HK$1.28M · loan HK$11.55M · min. income ≈ HK$111,986/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$481,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,616
−HK$3,167/mo
▼ 0.25% · 3.875%
HK$60,188
−HK$1,595/mo
Today · 4.125%
HK$61,783
baseline
▲ 0.50% · 4.625%
HK$65,039
+HK$3,256/mo
Deposit HK$1.28M · loan HK$11.55M · min. income ≈ HK$123,566/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$481,386 · Scale 2, in force from 26 Feb 2026)