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$29,216
−HK$1,832/mo
▼ 0.25% · 3.875%
HK$30,124
−HK$924/mo
Today · 4.125%
HK$31,048
baseline
▲ 0.50% · 4.625%
HK$32,937
+HK$1,889/mo
Deposit HK$6.41M · loan HK$6.41M · min. income ≈ HK$62,096/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$480,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,502
−HK$1,756/mo
▼ 0.25% · 3.875%
HK$33,374
−HK$884/mo
Today · 4.125%
HK$34,258
baseline
▲ 0.50% · 4.625%
HK$36,064
+HK$1,806/mo
Deposit HK$6.41M · loan HK$6.41M · min. income ≈ HK$68,516/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$480,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,059
−HK$2,198/mo
▼ 0.25% · 3.875%
HK$36,149
−HK$1,108/mo
Today · 4.125%
HK$37,257
baseline
▲ 0.50% · 4.625%
HK$39,524
+HK$2,267/mo
Deposit HK$5.12M · loan HK$7.69M · min. income ≈ HK$74,514/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$480,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,003
−HK$2,107/mo
▼ 0.25% · 3.875%
HK$40,049
−HK$1,061/mo
Today · 4.125%
HK$41,110
baseline
▲ 0.50% · 4.625%
HK$43,277
+HK$2,167/mo
Deposit HK$5.12M · loan HK$7.69M · min. income ≈ HK$82,220/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$480,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,902
−HK$2,565/mo
▼ 0.25% · 3.875%
HK$42,174
−HK$1,293/mo
Today · 4.125%
HK$43,467
baseline
▲ 0.50% · 4.625%
HK$46,112
+HK$2,645/mo
Deposit HK$3.84M · loan HK$8.97M · min. income ≈ HK$86,934/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$480,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,503
−HK$2,458/mo
▼ 0.25% · 3.875%
HK$46,723
−HK$1,238/mo
Today · 4.125%
HK$47,961
baseline
▲ 0.50% · 4.625%
HK$50,489
+HK$2,528/mo
Deposit HK$3.84M · loan HK$8.97M · min. income ≈ HK$95,922/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$480,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,588
−HK$3,298/mo
▼ 0.25% · 3.875%
HK$54,224
−HK$1,662/mo
Today · 4.125%
HK$55,886
baseline
▲ 0.50% · 4.625%
HK$59,286
+HK$3,400/mo
Deposit HK$1.28M · loan HK$11.53M · min. income ≈ HK$111,772/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$480,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,504
−HK$3,161/mo
▼ 0.25% · 3.875%
HK$60,073
−HK$1,592/mo
Today · 4.125%
HK$61,665
baseline
▲ 0.50% · 4.625%
HK$64,915
+HK$3,250/mo
Deposit HK$1.28M · loan HK$11.53M · min. income ≈ HK$123,330/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$480,467 · Scale 2, in force from 26 Feb 2026)