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$29,236
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$30,146
−HK$924/mo
Today · 4.125%
HK$31,070
baseline
▲ 0.50% · 4.625%
HK$32,960
+HK$1,890/mo
Deposit HK$6.41M · loan HK$6.41M · min. income ≈ HK$62,140/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$480,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,525
−HK$1,757/mo
▼ 0.25% · 3.875%
HK$33,397
−HK$885/mo
Today · 4.125%
HK$34,282
baseline
▲ 0.50% · 4.625%
HK$36,089
+HK$1,807/mo
Deposit HK$6.41M · loan HK$6.41M · min. income ≈ HK$68,564/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$480,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,083
−HK$2,200/mo
▼ 0.25% · 3.875%
HK$36,175
−HK$1,108/mo
Today · 4.125%
HK$37,283
baseline
▲ 0.50% · 4.625%
HK$39,552
+HK$2,269/mo
Deposit HK$5.13M · loan HK$7.69M · min. income ≈ HK$74,566/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$480,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,030
−HK$2,109/mo
▼ 0.25% · 3.875%
HK$40,077
−HK$1,062/mo
Today · 4.125%
HK$41,139
baseline
▲ 0.50% · 4.625%
HK$43,307
+HK$2,168/mo
Deposit HK$5.13M · loan HK$7.69M · min. income ≈ HK$82,278/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$480,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,931
−HK$2,566/mo
▼ 0.25% · 3.875%
HK$42,204
−HK$1,293/mo
Today · 4.125%
HK$43,497
baseline
▲ 0.50% · 4.625%
HK$46,144
+HK$2,647/mo
Deposit HK$3.85M · loan HK$8.98M · min. income ≈ HK$86,994/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$480,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,535
−HK$2,460/mo
▼ 0.25% · 3.875%
HK$46,756
−HK$1,239/mo
Today · 4.125%
HK$47,995
baseline
▲ 0.50% · 4.625%
HK$50,525
+HK$2,530/mo
Deposit HK$3.85M · loan HK$8.98M · min. income ≈ HK$95,990/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$480,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,625
−HK$3,300/mo
▼ 0.25% · 3.875%
HK$54,262
−HK$1,663/mo
Today · 4.125%
HK$55,925
baseline
▲ 0.50% · 4.625%
HK$59,328
+HK$3,403/mo
Deposit HK$1.28M · loan HK$11.54M · min. income ≈ HK$111,850/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$480,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,545
−HK$3,163/mo
▼ 0.25% · 3.875%
HK$60,115
−HK$1,593/mo
Today · 4.125%
HK$61,708
baseline
▲ 0.50% · 4.625%
HK$64,961
+HK$3,253/mo
Deposit HK$1.28M · loan HK$11.54M · min. income ≈ HK$123,416/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$480,804 · Scale 2, in force from 26 Feb 2026)