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$29,277
−HK$1,836/mo
▼ 0.25% · 3.875%
HK$30,188
−HK$925/mo
Today · 4.125%
HK$31,113
baseline
▲ 0.50% · 4.625%
HK$33,006
+HK$1,893/mo
Deposit HK$6.42M · loan HK$6.42M · min. income ≈ HK$62,226/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$481,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,570
−HK$1,760/mo
▼ 0.25% · 3.875%
HK$33,444
−HK$886/mo
Today · 4.125%
HK$34,330
baseline
▲ 0.50% · 4.625%
HK$36,139
+HK$1,809/mo
Deposit HK$6.42M · loan HK$6.42M · min. income ≈ HK$68,660/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$481,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,132
−HK$2,203/mo
▼ 0.25% · 3.875%
HK$36,225
−HK$1,110/mo
Today · 4.125%
HK$37,335
baseline
▲ 0.50% · 4.625%
HK$39,607
+HK$2,272/mo
Deposit HK$5.14M · loan HK$7.70M · min. income ≈ HK$74,670/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$481,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,084
−HK$2,112/mo
▼ 0.25% · 3.875%
HK$40,132
−HK$1,064/mo
Today · 4.125%
HK$41,196
baseline
▲ 0.50% · 4.625%
HK$43,367
+HK$2,171/mo
Deposit HK$5.14M · loan HK$7.70M · min. income ≈ HK$82,392/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$481,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,988
−HK$2,570/mo
▼ 0.25% · 3.875%
HK$42,263
−HK$1,295/mo
Today · 4.125%
HK$43,558
baseline
▲ 0.50% · 4.625%
HK$46,208
+HK$2,650/mo
Deposit HK$3.85M · loan HK$8.99M · min. income ≈ HK$87,116/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$481,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,598
−HK$2,464/mo
▼ 0.25% · 3.875%
HK$46,821
−HK$1,241/mo
Today · 4.125%
HK$48,062
baseline
▲ 0.50% · 4.625%
HK$50,595
+HK$2,533/mo
Deposit HK$3.85M · loan HK$8.99M · min. income ≈ HK$96,124/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$481,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,698
−HK$3,305/mo
▼ 0.25% · 3.875%
HK$54,338
−HK$1,665/mo
Today · 4.125%
HK$56,003
baseline
▲ 0.50% · 4.625%
HK$59,411
+HK$3,408/mo
Deposit HK$1.28M · loan HK$11.56M · min. income ≈ HK$112,006/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$481,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,626
−HK$3,168/mo
▼ 0.25% · 3.875%
HK$60,199
−HK$1,595/mo
Today · 4.125%
HK$61,794
baseline
▲ 0.50% · 4.625%
HK$65,051
+HK$3,257/mo
Deposit HK$1.28M · loan HK$11.56M · min. income ≈ HK$123,588/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$481,474 · Scale 2, in force from 26 Feb 2026)