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$29,290
−HK$1,836/mo
▼ 0.25% · 3.875%
HK$30,201
−HK$925/mo
Today · 4.125%
HK$31,126
baseline
▲ 0.50% · 4.625%
HK$33,020
+HK$1,894/mo
Deposit HK$6.42M · loan HK$6.42M · min. income ≈ HK$62,252/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$481,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,584
−HK$1,761/mo
▼ 0.25% · 3.875%
HK$33,458
−HK$887/mo
Today · 4.125%
HK$34,345
baseline
▲ 0.50% · 4.625%
HK$36,155
+HK$1,810/mo
Deposit HK$6.42M · loan HK$6.42M · min. income ≈ HK$68,690/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$481,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,148
−HK$2,204/mo
▼ 0.25% · 3.875%
HK$36,241
−HK$1,111/mo
Today · 4.125%
HK$37,352
baseline
▲ 0.50% · 4.625%
HK$39,624
+HK$2,272/mo
Deposit HK$5.14M · loan HK$7.71M · min. income ≈ HK$74,704/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$481,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,101
−HK$2,113/mo
▼ 0.25% · 3.875%
HK$40,150
−HK$1,064/mo
Today · 4.125%
HK$41,214
baseline
▲ 0.50% · 4.625%
HK$43,386
+HK$2,172/mo
Deposit HK$5.14M · loan HK$7.71M · min. income ≈ HK$82,428/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$481,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,005
−HK$2,572/mo
▼ 0.25% · 3.875%
HK$42,281
−HK$1,296/mo
Today · 4.125%
HK$43,577
baseline
▲ 0.50% · 4.625%
HK$46,228
+HK$2,651/mo
Deposit HK$3.85M · loan HK$8.99M · min. income ≈ HK$87,154/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$481,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,618
−HK$2,465/mo
▼ 0.25% · 3.875%
HK$46,842
−HK$1,241/mo
Today · 4.125%
HK$48,083
baseline
▲ 0.50% · 4.625%
HK$50,617
+HK$2,534/mo
Deposit HK$3.85M · loan HK$8.99M · min. income ≈ HK$96,166/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$481,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,721
−HK$3,306/mo
▼ 0.25% · 3.875%
HK$54,361
−HK$1,666/mo
Today · 4.125%
HK$56,027
baseline
▲ 0.50% · 4.625%
HK$59,437
+HK$3,410/mo
Deposit HK$1.28M · loan HK$11.56M · min. income ≈ HK$112,054/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$481,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,652
−HK$3,169/mo
▼ 0.25% · 3.875%
HK$60,225
−HK$1,596/mo
Today · 4.125%
HK$61,821
baseline
▲ 0.50% · 4.625%
HK$65,079
+HK$3,258/mo
Deposit HK$1.28M · loan HK$11.56M · min. income ≈ HK$123,642/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$481,683 · Scale 2, in force from 26 Feb 2026)