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$29,256
−HK$1,835/mo
▼ 0.25% · 3.875%
HK$30,166
−HK$925/mo
Today · 4.125%
HK$31,091
baseline
▲ 0.50% · 4.625%
HK$32,983
+HK$1,892/mo
Deposit HK$6.42M · loan HK$6.42M · min. income ≈ HK$62,182/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$481,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,547
−HK$1,759/mo
▼ 0.25% · 3.875%
HK$33,420
−HK$886/mo
Today · 4.125%
HK$34,306
baseline
▲ 0.50% · 4.625%
HK$36,114
+HK$1,808/mo
Deposit HK$6.42M · loan HK$6.42M · min. income ≈ HK$68,612/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$481,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,108
−HK$2,201/mo
▼ 0.25% · 3.875%
HK$36,200
−HK$1,109/mo
Today · 4.125%
HK$37,309
baseline
▲ 0.50% · 4.625%
HK$39,579
+HK$2,270/mo
Deposit HK$5.13M · loan HK$7.70M · min. income ≈ HK$74,618/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$481,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,057
−HK$2,110/mo
▼ 0.25% · 3.875%
HK$40,104
−HK$1,063/mo
Today · 4.125%
HK$41,167
baseline
▲ 0.50% · 4.625%
HK$43,337
+HK$2,170/mo
Deposit HK$5.13M · loan HK$7.70M · min. income ≈ HK$82,334/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$481,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,959
−HK$2,568/mo
▼ 0.25% · 3.875%
HK$42,233
−HK$1,294/mo
Today · 4.125%
HK$43,527
baseline
▲ 0.50% · 4.625%
HK$46,176
+HK$2,649/mo
Deposit HK$3.85M · loan HK$8.98M · min. income ≈ HK$87,054/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$481,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,566
−HK$2,462/mo
▼ 0.25% · 3.875%
HK$46,788
−HK$1,240/mo
Today · 4.125%
HK$48,028
baseline
▲ 0.50% · 4.625%
HK$50,560
+HK$2,532/mo
Deposit HK$3.85M · loan HK$8.98M · min. income ≈ HK$96,056/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$481,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,662
−HK$3,302/mo
▼ 0.25% · 3.875%
HK$54,300
−HK$1,664/mo
Today · 4.125%
HK$55,964
baseline
▲ 0.50% · 4.625%
HK$59,369
+HK$3,405/mo
Deposit HK$1.28M · loan HK$11.55M · min. income ≈ HK$111,928/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$481,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,585
−HK$3,166/mo
▼ 0.25% · 3.875%
HK$60,157
−HK$1,594/mo
Today · 4.125%
HK$61,751
baseline
▲ 0.50% · 4.625%
HK$65,006
+HK$3,255/mo
Deposit HK$1.28M · loan HK$11.55M · min. income ≈ HK$123,502/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$481,137 · Scale 2, in force from 26 Feb 2026)