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$29,264
−HK$1,835/mo
▼ 0.25% · 3.875%
HK$30,174
−HK$925/mo
Today · 4.125%
HK$31,099
baseline
▲ 0.50% · 4.625%
HK$32,992
+HK$1,893/mo
Deposit HK$6.42M · loan HK$6.42M · min. income ≈ HK$62,198/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$481,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,556
−HK$1,759/mo
▼ 0.25% · 3.875%
HK$33,429
−HK$886/mo
Today · 4.125%
HK$34,315
baseline
▲ 0.50% · 4.625%
HK$36,124
+HK$1,809/mo
Deposit HK$6.42M · loan HK$6.42M · min. income ≈ HK$68,630/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$481,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,117
−HK$2,202/mo
▼ 0.25% · 3.875%
HK$36,209
−HK$1,110/mo
Today · 4.125%
HK$37,319
baseline
▲ 0.50% · 4.625%
HK$39,590
+HK$2,271/mo
Deposit HK$5.13M · loan HK$7.70M · min. income ≈ HK$74,638/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$481,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,067
−HK$2,111/mo
▼ 0.25% · 3.875%
HK$40,115
−HK$1,063/mo
Today · 4.125%
HK$41,178
baseline
▲ 0.50% · 4.625%
HK$43,349
+HK$2,171/mo
Deposit HK$5.13M · loan HK$7.70M · min. income ≈ HK$82,356/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$481,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,970
−HK$2,569/mo
▼ 0.25% · 3.875%
HK$42,244
−HK$1,295/mo
Today · 4.125%
HK$43,539
baseline
▲ 0.50% · 4.625%
HK$46,188
+HK$2,649/mo
Deposit HK$3.85M · loan HK$8.98M · min. income ≈ HK$87,078/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$481,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,579
−HK$2,462/mo
▼ 0.25% · 3.875%
HK$46,801
−HK$1,240/mo
Today · 4.125%
HK$48,041
baseline
▲ 0.50% · 4.625%
HK$50,573
+HK$2,532/mo
Deposit HK$3.85M · loan HK$8.98M · min. income ≈ HK$96,082/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$481,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,675
−HK$3,304/mo
▼ 0.25% · 3.875%
HK$54,314
−HK$1,665/mo
Today · 4.125%
HK$55,979
baseline
▲ 0.50% · 4.625%
HK$59,385
+HK$3,406/mo
Deposit HK$1.28M · loan HK$11.55M · min. income ≈ HK$111,958/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$481,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,601
−HK$3,166/mo
▼ 0.25% · 3.875%
HK$60,173
−HK$1,594/mo
Today · 4.125%
HK$61,767
baseline
▲ 0.50% · 4.625%
HK$65,023
+HK$3,256/mo
Deposit HK$1.28M · loan HK$11.55M · min. income ≈ HK$123,534/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$481,265 · Scale 2, in force from 26 Feb 2026)