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$29,238
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$30,148
−HK$924/mo
Today · 4.125%
HK$31,072
baseline
▲ 0.50% · 4.625%
HK$32,963
+HK$1,891/mo
Deposit HK$6.41M · loan HK$6.41M · min. income ≈ HK$62,144/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$480,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,527
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$33,400
−HK$885/mo
Today · 4.125%
HK$34,285
baseline
▲ 0.50% · 4.625%
HK$36,092
+HK$1,807/mo
Deposit HK$6.41M · loan HK$6.41M · min. income ≈ HK$68,570/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$480,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,086
−HK$2,200/mo
▼ 0.25% · 3.875%
HK$36,177
−HK$1,109/mo
Today · 4.125%
HK$37,286
baseline
▲ 0.50% · 4.625%
HK$39,555
+HK$2,269/mo
Deposit HK$5.13M · loan HK$7.69M · min. income ≈ HK$74,572/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$480,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,033
−HK$2,109/mo
▼ 0.25% · 3.875%
HK$40,080
−HK$1,062/mo
Today · 4.125%
HK$41,142
baseline
▲ 0.50% · 4.625%
HK$43,310
+HK$2,168/mo
Deposit HK$5.13M · loan HK$7.69M · min. income ≈ HK$82,284/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$480,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,934
−HK$2,567/mo
▼ 0.25% · 3.875%
HK$42,207
−HK$1,294/mo
Today · 4.125%
HK$43,501
baseline
▲ 0.50% · 4.625%
HK$46,148
+HK$2,647/mo
Deposit HK$3.85M · loan HK$8.98M · min. income ≈ HK$87,002/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$480,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,538
−HK$2,461/mo
▼ 0.25% · 3.875%
HK$46,760
−HK$1,239/mo
Today · 4.125%
HK$47,999
baseline
▲ 0.50% · 4.625%
HK$50,529
+HK$2,530/mo
Deposit HK$3.85M · loan HK$8.98M · min. income ≈ HK$95,998/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$480,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,629
−HK$3,300/mo
▼ 0.25% · 3.875%
HK$54,266
−HK$1,663/mo
Today · 4.125%
HK$55,929
baseline
▲ 0.50% · 4.625%
HK$59,333
+HK$3,404/mo
Deposit HK$1.28M · loan HK$11.54M · min. income ≈ HK$111,858/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$480,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,549
−HK$3,164/mo
▼ 0.25% · 3.875%
HK$60,120
−HK$1,593/mo
Today · 4.125%
HK$61,713
baseline
▲ 0.50% · 4.625%
HK$64,966
+HK$3,253/mo
Deposit HK$1.28M · loan HK$11.54M · min. income ≈ HK$123,426/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$480,841 · Scale 2, in force from 26 Feb 2026)