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$29,241
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$30,151
−HK$924/mo
Today · 4.125%
HK$31,075
baseline
▲ 0.50% · 4.625%
HK$32,966
+HK$1,891/mo
Deposit HK$6.41M · loan HK$6.41M · min. income ≈ HK$62,150/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$480,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,531
−HK$1,757/mo
▼ 0.25% · 3.875%
HK$33,403
−HK$885/mo
Today · 4.125%
HK$34,288
baseline
▲ 0.50% · 4.625%
HK$36,096
+HK$1,808/mo
Deposit HK$6.41M · loan HK$6.41M · min. income ≈ HK$68,576/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$480,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,090
−HK$2,200/mo
▼ 0.25% · 3.875%
HK$36,181
−HK$1,109/mo
Today · 4.125%
HK$37,290
baseline
▲ 0.50% · 4.625%
HK$39,559
+HK$2,269/mo
Deposit HK$5.13M · loan HK$7.69M · min. income ≈ HK$74,580/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$480,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,037
−HK$2,109/mo
▼ 0.25% · 3.875%
HK$40,084
−HK$1,062/mo
Today · 4.125%
HK$41,146
baseline
▲ 0.50% · 4.625%
HK$43,315
+HK$2,169/mo
Deposit HK$5.13M · loan HK$7.69M · min. income ≈ HK$82,292/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$480,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,938
−HK$2,567/mo
▼ 0.25% · 3.875%
HK$42,211
−HK$1,294/mo
Today · 4.125%
HK$43,505
baseline
▲ 0.50% · 4.625%
HK$46,152
+HK$2,647/mo
Deposit HK$3.85M · loan HK$8.98M · min. income ≈ HK$87,010/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$480,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,543
−HK$2,461/mo
▼ 0.25% · 3.875%
HK$46,765
−HK$1,239/mo
Today · 4.125%
HK$48,004
baseline
▲ 0.50% · 4.625%
HK$50,534
+HK$2,530/mo
Deposit HK$3.85M · loan HK$8.98M · min. income ≈ HK$96,008/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$480,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,635
−HK$3,300/mo
▼ 0.25% · 3.875%
HK$54,272
−HK$1,663/mo
Today · 4.125%
HK$55,935
baseline
▲ 0.50% · 4.625%
HK$59,339
+HK$3,404/mo
Deposit HK$1.28M · loan HK$11.54M · min. income ≈ HK$111,870/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$480,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,555
−HK$3,164/mo
▼ 0.25% · 3.875%
HK$60,126
−HK$1,593/mo
Today · 4.125%
HK$61,719
baseline
▲ 0.50% · 4.625%
HK$64,972
+HK$3,253/mo
Deposit HK$1.28M · loan HK$11.54M · min. income ≈ HK$123,438/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$480,891 · Scale 2, in force from 26 Feb 2026)