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$29,219
−HK$1,833/mo
▼ 0.25% · 3.875%
HK$30,128
−HK$924/mo
Today · 4.125%
HK$31,052
baseline
▲ 0.50% · 4.625%
HK$32,941
+HK$1,889/mo
Deposit HK$6.41M · loan HK$6.41M · min. income ≈ HK$62,104/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$480,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,506
−HK$1,756/mo
▼ 0.25% · 3.875%
HK$33,378
−HK$884/mo
Today · 4.125%
HK$34,262
baseline
▲ 0.50% · 4.625%
HK$36,068
+HK$1,806/mo
Deposit HK$6.41M · loan HK$6.41M · min. income ≈ HK$68,524/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$480,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,063
−HK$2,199/mo
▼ 0.25% · 3.875%
HK$36,154
−HK$1,108/mo
Today · 4.125%
HK$37,262
baseline
▲ 0.50% · 4.625%
HK$39,529
+HK$2,267/mo
Deposit HK$5.13M · loan HK$7.69M · min. income ≈ HK$74,524/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$480,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,007
−HK$2,108/mo
▼ 0.25% · 3.875%
HK$40,054
−HK$1,061/mo
Today · 4.125%
HK$41,115
baseline
▲ 0.50% · 4.625%
HK$43,282
+HK$2,167/mo
Deposit HK$5.13M · loan HK$7.69M · min. income ≈ HK$82,230/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$480,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,907
−HK$2,565/mo
▼ 0.25% · 3.875%
HK$42,179
−HK$1,293/mo
Today · 4.125%
HK$43,472
baseline
▲ 0.50% · 4.625%
HK$46,117
+HK$2,645/mo
Deposit HK$3.84M · loan HK$8.97M · min. income ≈ HK$86,944/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$480,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,509
−HK$2,458/mo
▼ 0.25% · 3.875%
HK$46,729
−HK$1,238/mo
Today · 4.125%
HK$47,967
baseline
▲ 0.50% · 4.625%
HK$50,496
+HK$2,529/mo
Deposit HK$3.84M · loan HK$8.97M · min. income ≈ HK$95,934/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$480,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,595
−HK$3,298/mo
▼ 0.25% · 3.875%
HK$54,231
−HK$1,662/mo
Today · 4.125%
HK$55,893
baseline
▲ 0.50% · 4.625%
HK$59,294
+HK$3,401/mo
Deposit HK$1.28M · loan HK$11.53M · min. income ≈ HK$111,786/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$480,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,511
−HK$3,161/mo
▼ 0.25% · 3.875%
HK$60,080
−HK$1,592/mo
Today · 4.125%
HK$61,672
baseline
▲ 0.50% · 4.625%
HK$64,923
+HK$3,251/mo
Deposit HK$1.28M · loan HK$11.53M · min. income ≈ HK$123,344/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$480,527 · Scale 2, in force from 26 Feb 2026)