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$29,228
−HK$1,833/mo
▼ 0.25% · 3.875%
HK$30,137
−HK$924/mo
Today · 4.125%
HK$31,061
baseline
▲ 0.50% · 4.625%
HK$32,951
+HK$1,890/mo
Deposit HK$6.41M · loan HK$6.41M · min. income ≈ HK$62,122/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$480,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,516
−HK$1,757/mo
▼ 0.25% · 3.875%
HK$33,388
−HK$885/mo
Today · 4.125%
HK$34,273
baseline
▲ 0.50% · 4.625%
HK$36,079
+HK$1,806/mo
Deposit HK$6.41M · loan HK$6.41M · min. income ≈ HK$68,546/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$480,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,074
−HK$2,199/mo
▼ 0.25% · 3.875%
HK$36,165
−HK$1,108/mo
Today · 4.125%
HK$37,273
baseline
▲ 0.50% · 4.625%
HK$39,541
+HK$2,268/mo
Deposit HK$5.13M · loan HK$7.69M · min. income ≈ HK$74,546/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$480,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,019
−HK$2,108/mo
▼ 0.25% · 3.875%
HK$40,066
−HK$1,061/mo
Today · 4.125%
HK$41,127
baseline
▲ 0.50% · 4.625%
HK$43,295
+HK$2,168/mo
Deposit HK$5.13M · loan HK$7.69M · min. income ≈ HK$82,254/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$480,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,920
−HK$2,566/mo
▼ 0.25% · 3.875%
HK$42,192
−HK$1,294/mo
Today · 4.125%
HK$43,486
baseline
▲ 0.50% · 4.625%
HK$46,132
+HK$2,646/mo
Deposit HK$3.85M · loan HK$8.97M · min. income ≈ HK$86,972/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$480,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,523
−HK$2,459/mo
▼ 0.25% · 3.875%
HK$46,743
−HK$1,239/mo
Today · 4.125%
HK$47,982
baseline
▲ 0.50% · 4.625%
HK$50,511
+HK$2,529/mo
Deposit HK$3.85M · loan HK$8.97M · min. income ≈ HK$95,964/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$480,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,611
−HK$3,299/mo
▼ 0.25% · 3.875%
HK$54,247
−HK$1,663/mo
Today · 4.125%
HK$55,910
baseline
▲ 0.50% · 4.625%
HK$59,312
+HK$3,402/mo
Deposit HK$1.28M · loan HK$11.54M · min. income ≈ HK$111,820/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$480,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,529
−HK$3,162/mo
▼ 0.25% · 3.875%
HK$60,099
−HK$1,592/mo
Today · 4.125%
HK$61,691
baseline
▲ 0.50% · 4.625%
HK$64,943
+HK$3,252/mo
Deposit HK$1.28M · loan HK$11.54M · min. income ≈ HK$123,382/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$480,674 · Scale 2, in force from 26 Feb 2026)