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$29,254
−HK$1,835/mo
▼ 0.25% · 3.875%
HK$30,164
−HK$925/mo
Today · 4.125%
HK$31,089
baseline
▲ 0.50% · 4.625%
HK$32,980
+HK$1,891/mo
Deposit HK$6.41M · loan HK$6.41M · min. income ≈ HK$62,178/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$481,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,545
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$33,418
−HK$885/mo
Today · 4.125%
HK$34,303
baseline
▲ 0.50% · 4.625%
HK$36,111
+HK$1,808/mo
Deposit HK$6.41M · loan HK$6.41M · min. income ≈ HK$68,606/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$481,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,105
−HK$2,201/mo
▼ 0.25% · 3.875%
HK$36,197
−HK$1,109/mo
Today · 4.125%
HK$37,306
baseline
▲ 0.50% · 4.625%
HK$39,576
+HK$2,270/mo
Deposit HK$5.13M · loan HK$7.70M · min. income ≈ HK$74,612/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$481,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,054
−HK$2,110/mo
▼ 0.25% · 3.875%
HK$40,101
−HK$1,063/mo
Today · 4.125%
HK$41,164
baseline
▲ 0.50% · 4.625%
HK$43,334
+HK$2,170/mo
Deposit HK$5.13M · loan HK$7.70M · min. income ≈ HK$82,328/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$481,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,956
−HK$2,568/mo
▼ 0.25% · 3.875%
HK$42,230
−HK$1,294/mo
Today · 4.125%
HK$43,524
baseline
▲ 0.50% · 4.625%
HK$46,172
+HK$2,648/mo
Deposit HK$3.85M · loan HK$8.98M · min. income ≈ HK$87,048/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$481,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,563
−HK$2,461/mo
▼ 0.25% · 3.875%
HK$46,785
−HK$1,239/mo
Today · 4.125%
HK$48,024
baseline
▲ 0.50% · 4.625%
HK$50,556
+HK$2,532/mo
Deposit HK$3.85M · loan HK$8.98M · min. income ≈ HK$96,048/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$481,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,657
−HK$3,302/mo
▼ 0.25% · 3.875%
HK$54,295
−HK$1,664/mo
Today · 4.125%
HK$55,959
baseline
▲ 0.50% · 4.625%
HK$59,364
+HK$3,405/mo
Deposit HK$1.28M · loan HK$11.55M · min. income ≈ HK$111,918/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$481,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,581
−HK$3,165/mo
▼ 0.25% · 3.875%
HK$60,152
−HK$1,594/mo
Today · 4.125%
HK$61,746
baseline
▲ 0.50% · 4.625%
HK$65,000
+HK$3,254/mo
Deposit HK$1.28M · loan HK$11.55M · min. income ≈ HK$123,492/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$481,100 · Scale 2, in force from 26 Feb 2026)