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$29,298
−HK$1,838/mo
▼ 0.25% · 3.875%
HK$30,210
−HK$926/mo
Today · 4.125%
HK$31,136
baseline
▲ 0.50% · 4.625%
HK$33,030
+HK$1,894/mo
Deposit HK$6.42M · loan HK$6.42M · min. income ≈ HK$62,272/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$481,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,594
−HK$1,761/mo
▼ 0.25% · 3.875%
HK$33,468
−HK$887/mo
Today · 4.125%
HK$34,355
baseline
▲ 0.50% · 4.625%
HK$36,166
+HK$1,811/mo
Deposit HK$6.42M · loan HK$6.42M · min. income ≈ HK$68,710/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$481,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,158
−HK$2,205/mo
▼ 0.25% · 3.875%
HK$36,252
−HK$1,111/mo
Today · 4.125%
HK$37,363
baseline
▲ 0.50% · 4.625%
HK$39,636
+HK$2,273/mo
Deposit HK$5.14M · loan HK$7.71M · min. income ≈ HK$74,726/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$481,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,113
−HK$2,113/mo
▼ 0.25% · 3.875%
HK$40,162
−HK$1,064/mo
Today · 4.125%
HK$41,226
baseline
▲ 0.50% · 4.625%
HK$43,399
+HK$2,173/mo
Deposit HK$5.14M · loan HK$7.71M · min. income ≈ HK$82,452/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$481,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,018
−HK$2,572/mo
▼ 0.25% · 3.875%
HK$42,294
−HK$1,296/mo
Today · 4.125%
HK$43,590
baseline
▲ 0.50% · 4.625%
HK$46,242
+HK$2,652/mo
Deposit HK$3.85M · loan HK$8.99M · min. income ≈ HK$87,180/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$481,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,632
−HK$2,465/mo
▼ 0.25% · 3.875%
HK$46,856
−HK$1,241/mo
Today · 4.125%
HK$48,097
baseline
▲ 0.50% · 4.625%
HK$50,633
+HK$2,536/mo
Deposit HK$3.85M · loan HK$8.99M · min. income ≈ HK$96,194/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$481,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,737
−HK$3,307/mo
▼ 0.25% · 3.875%
HK$54,378
−HK$1,666/mo
Today · 4.125%
HK$56,044
baseline
▲ 0.50% · 4.625%
HK$59,455
+HK$3,411/mo
Deposit HK$1.28M · loan HK$11.56M · min. income ≈ HK$112,088/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$481,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,670
−HK$3,169/mo
▼ 0.25% · 3.875%
HK$60,243
−HK$1,596/mo
Today · 4.125%
HK$61,839
baseline
▲ 0.50% · 4.625%
HK$65,099
+HK$3,260/mo
Deposit HK$1.28M · loan HK$11.56M · min. income ≈ HK$123,678/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$481,829 · Scale 2, in force from 26 Feb 2026)