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$29,281
−HK$1,837/mo
▼ 0.25% · 3.875%
HK$30,192
−HK$926/mo
Today · 4.125%
HK$31,118
baseline
▲ 0.50% · 4.625%
HK$33,011
+HK$1,893/mo
Deposit HK$6.42M · loan HK$6.42M · min. income ≈ HK$62,236/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$481,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,575
−HK$1,760/mo
▼ 0.25% · 3.875%
HK$33,449
−HK$886/mo
Today · 4.125%
HK$34,335
baseline
▲ 0.50% · 4.625%
HK$36,145
+HK$1,810/mo
Deposit HK$6.42M · loan HK$6.42M · min. income ≈ HK$68,670/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$481,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,138
−HK$2,203/mo
▼ 0.25% · 3.875%
HK$36,231
−HK$1,110/mo
Today · 4.125%
HK$37,341
baseline
▲ 0.50% · 4.625%
HK$39,613
+HK$2,272/mo
Deposit HK$5.14M · loan HK$7.70M · min. income ≈ HK$74,682/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$481,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,090
−HK$2,112/mo
▼ 0.25% · 3.875%
HK$40,139
−HK$1,063/mo
Today · 4.125%
HK$41,202
baseline
▲ 0.50% · 4.625%
HK$43,374
+HK$2,172/mo
Deposit HK$5.14M · loan HK$7.70M · min. income ≈ HK$82,404/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$481,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,994
−HK$2,571/mo
▼ 0.25% · 3.875%
HK$42,269
−HK$1,296/mo
Today · 4.125%
HK$43,565
baseline
▲ 0.50% · 4.625%
HK$46,215
+HK$2,650/mo
Deposit HK$3.85M · loan HK$8.99M · min. income ≈ HK$87,130/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$481,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,605
−HK$2,464/mo
▼ 0.25% · 3.875%
HK$46,829
−HK$1,240/mo
Today · 4.125%
HK$48,069
baseline
▲ 0.50% · 4.625%
HK$50,603
+HK$2,534/mo
Deposit HK$3.85M · loan HK$8.99M · min. income ≈ HK$96,138/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$481,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,707
−HK$3,305/mo
▼ 0.25% · 3.875%
HK$54,346
−HK$1,666/mo
Today · 4.125%
HK$56,012
baseline
▲ 0.50% · 4.625%
HK$59,420
+HK$3,408/mo
Deposit HK$1.28M · loan HK$11.56M · min. income ≈ HK$112,024/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$481,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,636
−HK$3,167/mo
▼ 0.25% · 3.875%
HK$60,208
−HK$1,595/mo
Today · 4.125%
HK$61,803
baseline
▲ 0.50% · 4.625%
HK$65,061
+HK$3,258/mo
Deposit HK$1.28M · loan HK$11.56M · min. income ≈ HK$123,606/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$481,549 · Scale 2, in force from 26 Feb 2026)