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$29,294
−HK$1,837/mo
▼ 0.25% · 3.875%
HK$30,205
−HK$926/mo
Today · 4.125%
HK$31,131
baseline
▲ 0.50% · 4.625%
HK$33,025
+HK$1,894/mo
Deposit HK$6.42M · loan HK$6.42M · min. income ≈ HK$62,262/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$481,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,589
−HK$1,761/mo
▼ 0.25% · 3.875%
HK$33,463
−HK$887/mo
Today · 4.125%
HK$34,350
baseline
▲ 0.50% · 4.625%
HK$36,161
+HK$1,811/mo
Deposit HK$6.42M · loan HK$6.42M · min. income ≈ HK$68,700/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$481,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,153
−HK$2,204/mo
▼ 0.25% · 3.875%
HK$36,246
−HK$1,111/mo
Today · 4.125%
HK$37,357
baseline
▲ 0.50% · 4.625%
HK$39,630
+HK$2,273/mo
Deposit HK$5.14M · loan HK$7.71M · min. income ≈ HK$74,714/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$481,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,107
−HK$2,113/mo
▼ 0.25% · 3.875%
HK$40,156
−HK$1,064/mo
Today · 4.125%
HK$41,220
baseline
▲ 0.50% · 4.625%
HK$43,393
+HK$2,173/mo
Deposit HK$5.14M · loan HK$7.71M · min. income ≈ HK$82,440/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$481,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,012
−HK$2,572/mo
▼ 0.25% · 3.875%
HK$42,287
−HK$1,297/mo
Today · 4.125%
HK$43,584
baseline
▲ 0.50% · 4.625%
HK$46,236
+HK$2,652/mo
Deposit HK$3.85M · loan HK$8.99M · min. income ≈ HK$87,168/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$481,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,625
−HK$2,465/mo
▼ 0.25% · 3.875%
HK$46,849
−HK$1,241/mo
Today · 4.125%
HK$48,090
baseline
▲ 0.50% · 4.625%
HK$50,625
+HK$2,535/mo
Deposit HK$3.85M · loan HK$8.99M · min. income ≈ HK$96,180/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$481,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,729
−HK$3,307/mo
▼ 0.25% · 3.875%
HK$54,370
−HK$1,666/mo
Today · 4.125%
HK$56,036
baseline
▲ 0.50% · 4.625%
HK$59,446
+HK$3,410/mo
Deposit HK$1.28M · loan HK$11.56M · min. income ≈ HK$112,072/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$481,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,661
−HK$3,169/mo
▼ 0.25% · 3.875%
HK$60,234
−HK$1,596/mo
Today · 4.125%
HK$61,830
baseline
▲ 0.50% · 4.625%
HK$65,089
+HK$3,259/mo
Deposit HK$1.28M · loan HK$11.56M · min. income ≈ HK$123,660/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$481,757 · Scale 2, in force from 26 Feb 2026)