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$29,215
−HK$1,832/mo
▼ 0.25% · 3.875%
HK$30,124
−HK$923/mo
Today · 4.125%
HK$31,047
baseline
▲ 0.50% · 4.625%
HK$32,936
+HK$1,889/mo
Deposit HK$6.41M · loan HK$6.41M · min. income ≈ HK$62,094/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$480,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,501
−HK$1,756/mo
▼ 0.25% · 3.875%
HK$33,373
−HK$884/mo
Today · 4.125%
HK$34,257
baseline
▲ 0.50% · 4.625%
HK$36,063
+HK$1,806/mo
Deposit HK$6.41M · loan HK$6.41M · min. income ≈ HK$68,514/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$480,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,058
−HK$2,198/mo
▼ 0.25% · 3.875%
HK$36,148
−HK$1,108/mo
Today · 4.125%
HK$37,256
baseline
▲ 0.50% · 4.625%
HK$39,523
+HK$2,267/mo
Deposit HK$5.12M · loan HK$7.69M · min. income ≈ HK$74,512/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$480,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,001
−HK$2,108/mo
▼ 0.25% · 3.875%
HK$40,047
−HK$1,062/mo
Today · 4.125%
HK$41,109
baseline
▲ 0.50% · 4.625%
HK$43,275
+HK$2,166/mo
Deposit HK$5.12M · loan HK$7.69M · min. income ≈ HK$82,218/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$480,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,901
−HK$2,565/mo
▼ 0.25% · 3.875%
HK$42,173
−HK$1,293/mo
Today · 4.125%
HK$43,466
baseline
▲ 0.50% · 4.625%
HK$46,110
+HK$2,644/mo
Deposit HK$3.84M · loan HK$8.97M · min. income ≈ HK$86,932/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$480,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,502
−HK$2,458/mo
▼ 0.25% · 3.875%
HK$46,722
−HK$1,238/mo
Today · 4.125%
HK$47,960
baseline
▲ 0.50% · 4.625%
HK$50,488
+HK$2,528/mo
Deposit HK$3.84M · loan HK$8.97M · min. income ≈ HK$95,920/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$480,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,587
−HK$3,297/mo
▼ 0.25% · 3.875%
HK$54,222
−HK$1,662/mo
Today · 4.125%
HK$55,884
baseline
▲ 0.50% · 4.625%
HK$59,285
+HK$3,401/mo
Deposit HK$1.28M · loan HK$11.53M · min. income ≈ HK$111,768/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$480,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,502
−HK$3,161/mo
▼ 0.25% · 3.875%
HK$60,071
−HK$1,592/mo
Today · 4.125%
HK$61,663
baseline
▲ 0.50% · 4.625%
HK$64,913
+HK$3,250/mo
Deposit HK$1.28M · loan HK$11.53M · min. income ≈ HK$123,326/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$480,454 · Scale 2, in force from 26 Feb 2026)