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$29,239
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$30,149
−HK$924/mo
Today · 4.125%
HK$31,073
baseline
▲ 0.50% · 4.625%
HK$32,963
+HK$1,890/mo
Deposit HK$6.41M · loan HK$6.41M · min. income ≈ HK$62,146/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$480,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,528
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$33,401
−HK$885/mo
Today · 4.125%
HK$34,286
baseline
▲ 0.50% · 4.625%
HK$36,093
+HK$1,807/mo
Deposit HK$6.41M · loan HK$6.41M · min. income ≈ HK$68,572/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$480,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,087
−HK$2,200/mo
▼ 0.25% · 3.875%
HK$36,178
−HK$1,109/mo
Today · 4.125%
HK$37,287
baseline
▲ 0.50% · 4.625%
HK$39,556
+HK$2,269/mo
Deposit HK$5.13M · loan HK$7.69M · min. income ≈ HK$74,574/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$480,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,034
−HK$2,109/mo
▼ 0.25% · 3.875%
HK$40,081
−HK$1,062/mo
Today · 4.125%
HK$41,143
baseline
▲ 0.50% · 4.625%
HK$43,311
+HK$2,168/mo
Deposit HK$5.13M · loan HK$7.69M · min. income ≈ HK$82,286/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$480,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,935
−HK$2,567/mo
▼ 0.25% · 3.875%
HK$42,208
−HK$1,294/mo
Today · 4.125%
HK$43,502
baseline
▲ 0.50% · 4.625%
HK$46,149
+HK$2,647/mo
Deposit HK$3.85M · loan HK$8.98M · min. income ≈ HK$87,004/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$480,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,539
−HK$2,461/mo
▼ 0.25% · 3.875%
HK$46,761
−HK$1,239/mo
Today · 4.125%
HK$48,000
baseline
▲ 0.50% · 4.625%
HK$50,530
+HK$2,530/mo
Deposit HK$3.85M · loan HK$8.98M · min. income ≈ HK$96,000/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$480,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,630
−HK$3,301/mo
▼ 0.25% · 3.875%
HK$54,267
−HK$1,664/mo
Today · 4.125%
HK$55,931
baseline
▲ 0.50% · 4.625%
HK$59,334
+HK$3,403/mo
Deposit HK$1.28M · loan HK$11.54M · min. income ≈ HK$111,862/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$480,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,551
−HK$3,163/mo
▼ 0.25% · 3.875%
HK$60,121
−HK$1,593/mo
Today · 4.125%
HK$61,714
baseline
▲ 0.50% · 4.625%
HK$64,967
+HK$3,253/mo
Deposit HK$1.28M · loan HK$11.54M · min. income ≈ HK$123,428/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$480,851 · Scale 2, in force from 26 Feb 2026)