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$29,240
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$30,150
−HK$924/mo
Today · 4.125%
HK$31,074
baseline
▲ 0.50% · 4.625%
HK$32,965
+HK$1,891/mo
Deposit HK$6.41M · loan HK$6.41M · min. income ≈ HK$62,148/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$480,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,530
−HK$1,757/mo
▼ 0.25% · 3.875%
HK$33,402
−HK$885/mo
Today · 4.125%
HK$34,287
baseline
▲ 0.50% · 4.625%
HK$36,094
+HK$1,807/mo
Deposit HK$6.41M · loan HK$6.41M · min. income ≈ HK$68,574/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$480,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,088
−HK$2,201/mo
▼ 0.25% · 3.875%
HK$36,180
−HK$1,109/mo
Today · 4.125%
HK$37,289
baseline
▲ 0.50% · 4.625%
HK$39,558
+HK$2,269/mo
Deposit HK$5.13M · loan HK$7.69M · min. income ≈ HK$74,578/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$480,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,035
−HK$2,109/mo
▼ 0.25% · 3.875%
HK$40,082
−HK$1,062/mo
Today · 4.125%
HK$41,144
baseline
▲ 0.50% · 4.625%
HK$43,313
+HK$2,169/mo
Deposit HK$5.13M · loan HK$7.69M · min. income ≈ HK$82,288/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$480,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,936
−HK$2,567/mo
▼ 0.25% · 3.875%
HK$42,210
−HK$1,293/mo
Today · 4.125%
HK$43,503
baseline
▲ 0.50% · 4.625%
HK$46,151
+HK$2,648/mo
Deposit HK$3.85M · loan HK$8.98M · min. income ≈ HK$87,006/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$480,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,541
−HK$2,461/mo
▼ 0.25% · 3.875%
HK$46,763
−HK$1,239/mo
Today · 4.125%
HK$48,002
baseline
▲ 0.50% · 4.625%
HK$50,532
+HK$2,530/mo
Deposit HK$3.85M · loan HK$8.98M · min. income ≈ HK$96,004/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$480,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,633
−HK$3,300/mo
▼ 0.25% · 3.875%
HK$54,270
−HK$1,663/mo
Today · 4.125%
HK$55,933
baseline
▲ 0.50% · 4.625%
HK$59,336
+HK$3,403/mo
Deposit HK$1.28M · loan HK$11.54M · min. income ≈ HK$111,866/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$480,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,553
−HK$3,164/mo
▼ 0.25% · 3.875%
HK$60,124
−HK$1,593/mo
Today · 4.125%
HK$61,717
baseline
▲ 0.50% · 4.625%
HK$64,970
+HK$3,253/mo
Deposit HK$1.28M · loan HK$11.54M · min. income ≈ HK$123,434/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$480,872 · Scale 2, in force from 26 Feb 2026)