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$29,253
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$30,163
−HK$924/mo
Today · 4.125%
HK$31,087
baseline
▲ 0.50% · 4.625%
HK$32,979
+HK$1,892/mo
Deposit HK$6.41M · loan HK$6.41M · min. income ≈ HK$62,174/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$481,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,543
−HK$1,759/mo
▼ 0.25% · 3.875%
HK$33,416
−HK$886/mo
Today · 4.125%
HK$34,302
baseline
▲ 0.50% · 4.625%
HK$36,110
+HK$1,808/mo
Deposit HK$6.41M · loan HK$6.41M · min. income ≈ HK$68,604/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$481,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,103
−HK$2,202/mo
▼ 0.25% · 3.875%
HK$36,195
−HK$1,110/mo
Today · 4.125%
HK$37,305
baseline
▲ 0.50% · 4.625%
HK$39,574
+HK$2,269/mo
Deposit HK$5.13M · loan HK$7.70M · min. income ≈ HK$74,610/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$481,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,052
−HK$2,110/mo
▼ 0.25% · 3.875%
HK$40,099
−HK$1,063/mo
Today · 4.125%
HK$41,162
baseline
▲ 0.50% · 4.625%
HK$43,332
+HK$2,170/mo
Deposit HK$5.13M · loan HK$7.70M · min. income ≈ HK$82,324/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$481,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,954
−HK$2,568/mo
▼ 0.25% · 3.875%
HK$42,228
−HK$1,294/mo
Today · 4.125%
HK$43,522
baseline
▲ 0.50% · 4.625%
HK$46,170
+HK$2,648/mo
Deposit HK$3.85M · loan HK$8.98M · min. income ≈ HK$87,044/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$481,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,561
−HK$2,461/mo
▼ 0.25% · 3.875%
HK$46,783
−HK$1,239/mo
Today · 4.125%
HK$48,022
baseline
▲ 0.50% · 4.625%
HK$50,553
+HK$2,531/mo
Deposit HK$3.85M · loan HK$8.98M · min. income ≈ HK$96,044/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$481,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,655
−HK$3,302/mo
▼ 0.25% · 3.875%
HK$54,293
−HK$1,664/mo
Today · 4.125%
HK$55,957
baseline
▲ 0.50% · 4.625%
HK$59,362
+HK$3,405/mo
Deposit HK$1.28M · loan HK$11.55M · min. income ≈ HK$111,914/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$481,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,578
−HK$3,165/mo
▼ 0.25% · 3.875%
HK$60,149
−HK$1,594/mo
Today · 4.125%
HK$61,743
baseline
▲ 0.50% · 4.625%
HK$64,997
+HK$3,254/mo
Deposit HK$1.28M · loan HK$11.55M · min. income ≈ HK$123,486/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$481,076 · Scale 2, in force from 26 Feb 2026)