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$29,218
−HK$1,832/mo
▼ 0.25% · 3.875%
HK$30,127
−HK$923/mo
Today · 4.125%
HK$31,050
baseline
▲ 0.50% · 4.625%
HK$32,940
+HK$1,890/mo
Deposit HK$6.41M · loan HK$6.41M · min. income ≈ HK$62,100/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$480,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,505
−HK$1,756/mo
▼ 0.25% · 3.875%
HK$33,377
−HK$884/mo
Today · 4.125%
HK$34,261
baseline
▲ 0.50% · 4.625%
HK$36,067
+HK$1,806/mo
Deposit HK$6.41M · loan HK$6.41M · min. income ≈ HK$68,522/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$480,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,062
−HK$2,198/mo
▼ 0.25% · 3.875%
HK$36,152
−HK$1,108/mo
Today · 4.125%
HK$37,260
baseline
▲ 0.50% · 4.625%
HK$39,528
+HK$2,268/mo
Deposit HK$5.13M · loan HK$7.69M · min. income ≈ HK$74,520/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$480,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,006
−HK$2,107/mo
▼ 0.25% · 3.875%
HK$40,052
−HK$1,061/mo
Today · 4.125%
HK$41,113
baseline
▲ 0.50% · 4.625%
HK$43,280
+HK$2,167/mo
Deposit HK$5.13M · loan HK$7.69M · min. income ≈ HK$82,226/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$480,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,905
−HK$2,565/mo
▼ 0.25% · 3.875%
HK$42,178
−HK$1,292/mo
Today · 4.125%
HK$43,470
baseline
▲ 0.50% · 4.625%
HK$46,115
+HK$2,645/mo
Deposit HK$3.84M · loan HK$8.97M · min. income ≈ HK$86,940/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$480,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,507
−HK$2,458/mo
▼ 0.25% · 3.875%
HK$46,727
−HK$1,238/mo
Today · 4.125%
HK$47,965
baseline
▲ 0.50% · 4.625%
HK$50,494
+HK$2,529/mo
Deposit HK$3.84M · loan HK$8.97M · min. income ≈ HK$95,930/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$480,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,592
−HK$3,299/mo
▼ 0.25% · 3.875%
HK$54,228
−HK$1,663/mo
Today · 4.125%
HK$55,891
baseline
▲ 0.50% · 4.625%
HK$59,291
+HK$3,400/mo
Deposit HK$1.28M · loan HK$11.53M · min. income ≈ HK$111,782/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$480,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,509
−HK$3,161/mo
▼ 0.25% · 3.875%
HK$60,078
−HK$1,592/mo
Today · 4.125%
HK$61,670
baseline
▲ 0.50% · 4.625%
HK$64,920
+HK$3,250/mo
Deposit HK$1.28M · loan HK$11.53M · min. income ≈ HK$123,340/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$480,507 · Scale 2, in force from 26 Feb 2026)