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$29,240
−HK$1,833/mo
▼ 0.25% · 3.875%
HK$30,149
−HK$924/mo
Today · 4.125%
HK$31,073
baseline
▲ 0.50% · 4.625%
HK$32,964
+HK$1,891/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$480,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,529
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$33,401
−HK$886/mo
Today · 4.125%
HK$34,287
baseline
▲ 0.50% · 4.625%
HK$36,094
+HK$1,807/mo
Deposit HK$6.41M · loan HK$6.41M · min. income ≈ HK$68,574/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$480,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,088
−HK$2,200/mo
▼ 0.25% · 3.875%
HK$36,179
−HK$1,109/mo
Today · 4.125%
HK$37,288
baseline
▲ 0.50% · 4.625%
HK$39,557
+HK$2,269/mo
Deposit HK$5.13M · loan HK$7.69M · min. income ≈ HK$74,576/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$480,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,035
−HK$2,109/mo
▼ 0.25% · 3.875%
HK$40,082
−HK$1,062/mo
Today · 4.125%
HK$41,144
baseline
▲ 0.50% · 4.625%
HK$43,313
+HK$2,169/mo
Deposit HK$5.13M · loan HK$7.69M · min. income ≈ HK$82,288/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$480,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,936
−HK$2,567/mo
▼ 0.25% · 3.875%
HK$42,209
−HK$1,294/mo
Today · 4.125%
HK$43,503
baseline
▲ 0.50% · 4.625%
HK$46,150
+HK$2,647/mo
Deposit HK$3.85M · loan HK$8.98M · min. income ≈ HK$87,006/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$480,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,541
−HK$2,460/mo
▼ 0.25% · 3.875%
HK$46,762
−HK$1,239/mo
Today · 4.125%
HK$48,001
baseline
▲ 0.50% · 4.625%
HK$50,531
+HK$2,530/mo
Deposit HK$3.85M · loan HK$8.98M · min. income ≈ HK$96,002/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$480,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,632
−HK$3,300/mo
▼ 0.25% · 3.875%
HK$54,269
−HK$1,663/mo
Today · 4.125%
HK$55,932
baseline
▲ 0.50% · 4.625%
HK$59,336
+HK$3,404/mo
Deposit HK$1.28M · loan HK$11.54M · min. income ≈ HK$111,864/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$480,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,552
−HK$3,164/mo
▼ 0.25% · 3.875%
HK$60,123
−HK$1,593/mo
Today · 4.125%
HK$61,716
baseline
▲ 0.50% · 4.625%
HK$64,969
+HK$3,253/mo
Deposit HK$1.28M · loan HK$11.54M · min. income ≈ HK$123,432/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$480,865 · Scale 2, in force from 26 Feb 2026)