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$29,284
−HK$1,837/mo
▼ 0.25% · 3.875%
HK$30,195
−HK$926/mo
Today · 4.125%
HK$31,121
baseline
▲ 0.50% · 4.625%
HK$33,014
+HK$1,893/mo
Deposit HK$6.42M · loan HK$6.42M · min. income ≈ HK$62,242/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$481,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,579
−HK$1,760/mo
▼ 0.25% · 3.875%
HK$33,452
−HK$887/mo
Today · 4.125%
HK$34,339
baseline
▲ 0.50% · 4.625%
HK$36,149
+HK$1,810/mo
Deposit HK$6.42M · loan HK$6.42M · min. income ≈ HK$68,678/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$481,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,141
−HK$2,204/mo
▼ 0.25% · 3.875%
HK$36,234
−HK$1,111/mo
Today · 4.125%
HK$37,345
baseline
▲ 0.50% · 4.625%
HK$39,617
+HK$2,272/mo
Deposit HK$5.14M · loan HK$7.71M · min. income ≈ HK$74,690/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$481,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,094
−HK$2,112/mo
▼ 0.25% · 3.875%
HK$40,143
−HK$1,063/mo
Today · 4.125%
HK$41,206
baseline
▲ 0.50% · 4.625%
HK$43,379
+HK$2,173/mo
Deposit HK$5.14M · loan HK$7.71M · min. income ≈ HK$82,412/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$481,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,998
−HK$2,571/mo
▼ 0.25% · 3.875%
HK$42,273
−HK$1,296/mo
Today · 4.125%
HK$43,569
baseline
▲ 0.50% · 4.625%
HK$46,220
+HK$2,651/mo
Deposit HK$3.85M · loan HK$8.99M · min. income ≈ HK$87,138/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$481,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,610
−HK$2,464/mo
▼ 0.25% · 3.875%
HK$46,833
−HK$1,241/mo
Today · 4.125%
HK$48,074
baseline
▲ 0.50% · 4.625%
HK$50,608
+HK$2,534/mo
Deposit HK$3.85M · loan HK$8.99M · min. income ≈ HK$96,148/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$481,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,712
−HK$3,305/mo
▼ 0.25% · 3.875%
HK$54,352
−HK$1,665/mo
Today · 4.125%
HK$56,017
baseline
▲ 0.50% · 4.625%
HK$59,426
+HK$3,409/mo
Deposit HK$1.28M · loan HK$11.56M · min. income ≈ HK$112,034/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$481,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,641
−HK$3,169/mo
▼ 0.25% · 3.875%
HK$60,214
−HK$1,596/mo
Today · 4.125%
HK$61,810
baseline
▲ 0.50% · 4.625%
HK$65,068
+HK$3,258/mo
Deposit HK$1.28M · loan HK$11.56M · min. income ≈ HK$123,620/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$481,598 · Scale 2, in force from 26 Feb 2026)