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$29,261
−HK$1,835/mo
▼ 0.25% · 3.875%
HK$30,171
−HK$925/mo
Today · 4.125%
HK$31,096
baseline
▲ 0.50% · 4.625%
HK$32,988
+HK$1,892/mo
Deposit HK$6.42M · loan HK$6.42M · min. income ≈ HK$62,192/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$481,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,553
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$33,426
−HK$885/mo
Today · 4.125%
HK$34,311
baseline
▲ 0.50% · 4.625%
HK$36,120
+HK$1,809/mo
Deposit HK$6.42M · loan HK$6.42M · min. income ≈ HK$68,622/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$481,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,113
−HK$2,202/mo
▼ 0.25% · 3.875%
HK$36,206
−HK$1,109/mo
Today · 4.125%
HK$37,315
baseline
▲ 0.50% · 4.625%
HK$39,586
+HK$2,271/mo
Deposit HK$5.13M · loan HK$7.70M · min. income ≈ HK$74,630/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$481,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,063
−HK$2,111/mo
▼ 0.25% · 3.875%
HK$40,111
−HK$1,063/mo
Today · 4.125%
HK$41,174
baseline
▲ 0.50% · 4.625%
HK$43,344
+HK$2,170/mo
Deposit HK$5.13M · loan HK$7.70M · min. income ≈ HK$82,348/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$481,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,966
−HK$2,568/mo
▼ 0.25% · 3.875%
HK$42,240
−HK$1,294/mo
Today · 4.125%
HK$43,534
baseline
▲ 0.50% · 4.625%
HK$46,183
+HK$2,649/mo
Deposit HK$3.85M · loan HK$8.98M · min. income ≈ HK$87,068/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$481,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,574
−HK$2,462/mo
▼ 0.25% · 3.875%
HK$46,796
−HK$1,240/mo
Today · 4.125%
HK$48,036
baseline
▲ 0.50% · 4.625%
HK$50,568
+HK$2,532/mo
Deposit HK$3.85M · loan HK$8.98M · min. income ≈ HK$96,072/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$481,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,670
−HK$3,303/mo
▼ 0.25% · 3.875%
HK$54,308
−HK$1,665/mo
Today · 4.125%
HK$55,973
baseline
▲ 0.50% · 4.625%
HK$59,379
+HK$3,406/mo
Deposit HK$1.28M · loan HK$11.55M · min. income ≈ HK$111,946/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$481,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,595
−HK$3,165/mo
▼ 0.25% · 3.875%
HK$60,166
−HK$1,594/mo
Today · 4.125%
HK$61,760
baseline
▲ 0.50% · 4.625%
HK$65,016
+HK$3,256/mo
Deposit HK$1.28M · loan HK$11.55M · min. income ≈ HK$123,520/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$481,214 · Scale 2, in force from 26 Feb 2026)