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$29,249
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$30,158
−HK$925/mo
Today · 4.125%
HK$31,083
baseline
▲ 0.50% · 4.625%
HK$32,974
+HK$1,891/mo
Deposit HK$6.41M · loan HK$6.41M · min. income ≈ HK$62,166/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$481,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,539
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$33,411
−HK$886/mo
Today · 4.125%
HK$34,297
baseline
▲ 0.50% · 4.625%
HK$36,104
+HK$1,807/mo
Deposit HK$6.41M · loan HK$6.41M · min. income ≈ HK$68,594/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$481,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,098
−HK$2,201/mo
▼ 0.25% · 3.875%
HK$36,190
−HK$1,109/mo
Today · 4.125%
HK$37,299
baseline
▲ 0.50% · 4.625%
HK$39,569
+HK$2,270/mo
Deposit HK$5.13M · loan HK$7.70M · min. income ≈ HK$74,598/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$481,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,046
−HK$2,110/mo
▼ 0.25% · 3.875%
HK$40,094
−HK$1,062/mo
Today · 4.125%
HK$41,156
baseline
▲ 0.50% · 4.625%
HK$43,325
+HK$2,169/mo
Deposit HK$5.13M · loan HK$7.70M · min. income ≈ HK$82,312/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$481,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,948
−HK$2,568/mo
▼ 0.25% · 3.875%
HK$42,222
−HK$1,294/mo
Today · 4.125%
HK$43,516
baseline
▲ 0.50% · 4.625%
HK$46,164
+HK$2,648/mo
Deposit HK$3.85M · loan HK$8.98M · min. income ≈ HK$87,032/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$481,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,554
−HK$2,461/mo
▼ 0.25% · 3.875%
HK$46,776
−HK$1,239/mo
Today · 4.125%
HK$48,015
baseline
▲ 0.50% · 4.625%
HK$50,546
+HK$2,531/mo
Deposit HK$3.85M · loan HK$8.98M · min. income ≈ HK$96,030/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$481,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,647
−HK$3,302/mo
▼ 0.25% · 3.875%
HK$54,285
−HK$1,664/mo
Today · 4.125%
HK$55,949
baseline
▲ 0.50% · 4.625%
HK$59,353
+HK$3,404/mo
Deposit HK$1.28M · loan HK$11.54M · min. income ≈ HK$111,898/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$481,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,570
−HK$3,164/mo
▼ 0.25% · 3.875%
HK$60,140
−HK$1,594/mo
Today · 4.125%
HK$61,734
baseline
▲ 0.50% · 4.625%
HK$64,988
+HK$3,254/mo
Deposit HK$1.28M · loan HK$11.54M · min. income ≈ HK$123,468/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$481,008 · Scale 2, in force from 26 Feb 2026)