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$29,221
−HK$1,833/mo
▼ 0.25% · 3.875%
HK$30,130
−HK$924/mo
Today · 4.125%
HK$31,054
baseline
▲ 0.50% · 4.625%
HK$32,943
+HK$1,889/mo
Deposit HK$6.41M · loan HK$6.41M · min. income ≈ HK$62,108/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$480,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,508
−HK$1,757/mo
▼ 0.25% · 3.875%
HK$33,380
−HK$885/mo
Today · 4.125%
HK$34,265
baseline
▲ 0.50% · 4.625%
HK$36,071
+HK$1,806/mo
Deposit HK$6.41M · loan HK$6.41M · min. income ≈ HK$68,530/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$480,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,065
−HK$2,199/mo
▼ 0.25% · 3.875%
HK$36,156
−HK$1,108/mo
Today · 4.125%
HK$37,264
baseline
▲ 0.50% · 4.625%
HK$39,532
+HK$2,268/mo
Deposit HK$5.13M · loan HK$7.69M · min. income ≈ HK$74,528/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$480,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,010
−HK$2,108/mo
▼ 0.25% · 3.875%
HK$40,056
−HK$1,062/mo
Today · 4.125%
HK$41,118
baseline
▲ 0.50% · 4.625%
HK$43,285
+HK$2,167/mo
Deposit HK$5.13M · loan HK$7.69M · min. income ≈ HK$82,236/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$480,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,910
−HK$2,565/mo
▼ 0.25% · 3.875%
HK$42,182
−HK$1,293/mo
Today · 4.125%
HK$43,475
baseline
▲ 0.50% · 4.625%
HK$46,120
+HK$2,645/mo
Deposit HK$3.84M · loan HK$8.97M · min. income ≈ HK$86,950/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$480,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,512
−HK$2,459/mo
▼ 0.25% · 3.875%
HK$46,732
−HK$1,239/mo
Today · 4.125%
HK$47,971
baseline
▲ 0.50% · 4.625%
HK$50,499
+HK$2,528/mo
Deposit HK$3.84M · loan HK$8.97M · min. income ≈ HK$95,942/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$480,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,598
−HK$3,299/mo
▼ 0.25% · 3.875%
HK$54,234
−HK$1,663/mo
Today · 4.125%
HK$55,897
baseline
▲ 0.50% · 4.625%
HK$59,298
+HK$3,401/mo
Deposit HK$1.28M · loan HK$11.53M · min. income ≈ HK$111,794/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$480,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,515
−HK$3,161/mo
▼ 0.25% · 3.875%
HK$60,084
−HK$1,592/mo
Today · 4.125%
HK$61,676
baseline
▲ 0.50% · 4.625%
HK$64,927
+HK$3,251/mo
Deposit HK$1.28M · loan HK$11.53M · min. income ≈ HK$123,352/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$480,559 · Scale 2, in force from 26 Feb 2026)