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$29,243
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$30,152
−HK$925/mo
Today · 4.125%
HK$31,077
baseline
▲ 0.50% · 4.625%
HK$32,968
+HK$1,891/mo
Deposit HK$6.41M · loan HK$6.41M · min. income ≈ HK$62,154/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$480,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,532
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$33,405
−HK$885/mo
Today · 4.125%
HK$34,290
baseline
▲ 0.50% · 4.625%
HK$36,097
+HK$1,807/mo
Deposit HK$6.41M · loan HK$6.41M · min. income ≈ HK$68,580/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$480,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,091
−HK$2,201/mo
▼ 0.25% · 3.875%
HK$36,183
−HK$1,109/mo
Today · 4.125%
HK$37,292
baseline
▲ 0.50% · 4.625%
HK$39,561
+HK$2,269/mo
Deposit HK$5.13M · loan HK$7.69M · min. income ≈ HK$74,584/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$480,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,039
−HK$2,109/mo
▼ 0.25% · 3.875%
HK$40,086
−HK$1,062/mo
Today · 4.125%
HK$41,148
baseline
▲ 0.50% · 4.625%
HK$43,317
+HK$2,169/mo
Deposit HK$5.13M · loan HK$7.69M · min. income ≈ HK$82,296/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$480,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,940
−HK$2,567/mo
▼ 0.25% · 3.875%
HK$42,213
−HK$1,294/mo
Today · 4.125%
HK$43,507
baseline
▲ 0.50% · 4.625%
HK$46,155
+HK$2,648/mo
Deposit HK$3.85M · loan HK$8.98M · min. income ≈ HK$87,014/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$480,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,545
−HK$2,461/mo
▼ 0.25% · 3.875%
HK$46,767
−HK$1,239/mo
Today · 4.125%
HK$48,006
baseline
▲ 0.50% · 4.625%
HK$50,536
+HK$2,530/mo
Deposit HK$3.85M · loan HK$8.98M · min. income ≈ HK$96,012/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$480,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,637
−HK$3,301/mo
▼ 0.25% · 3.875%
HK$54,274
−HK$1,664/mo
Today · 4.125%
HK$55,938
baseline
▲ 0.50% · 4.625%
HK$59,342
+HK$3,404/mo
Deposit HK$1.28M · loan HK$11.54M · min. income ≈ HK$111,876/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$480,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,558
−HK$3,164/mo
▼ 0.25% · 3.875%
HK$60,129
−HK$1,593/mo
Today · 4.125%
HK$61,722
baseline
▲ 0.50% · 4.625%
HK$64,975
+HK$3,253/mo
Deposit HK$1.28M · loan HK$11.54M · min. income ≈ HK$123,444/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$480,914 · Scale 2, in force from 26 Feb 2026)