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$29,303
−HK$1,838/mo
▼ 0.25% · 3.875%
HK$30,215
−HK$926/mo
Today · 4.125%
HK$31,141
baseline
▲ 0.50% · 4.625%
HK$33,036
+HK$1,895/mo
Deposit HK$6.43M · loan HK$6.43M · min. income ≈ HK$62,282/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$481,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,600
−HK$1,761/mo
▼ 0.25% · 3.875%
HK$33,474
−HK$887/mo
Today · 4.125%
HK$34,361
baseline
▲ 0.50% · 4.625%
HK$36,172
+HK$1,811/mo
Deposit HK$6.43M · loan HK$6.43M · min. income ≈ HK$68,722/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$481,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,164
−HK$2,205/mo
▼ 0.25% · 3.875%
HK$36,258
−HK$1,111/mo
Today · 4.125%
HK$37,369
baseline
▲ 0.50% · 4.625%
HK$39,643
+HK$2,274/mo
Deposit HK$5.14M · loan HK$7.71M · min. income ≈ HK$74,738/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$481,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,119
−HK$2,114/mo
▼ 0.25% · 3.875%
HK$40,169
−HK$1,064/mo
Today · 4.125%
HK$41,233
baseline
▲ 0.50% · 4.625%
HK$43,406
+HK$2,173/mo
Deposit HK$5.14M · loan HK$7.71M · min. income ≈ HK$82,466/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$481,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,024
−HK$2,573/mo
▼ 0.25% · 3.875%
HK$42,301
−HK$1,296/mo
Today · 4.125%
HK$43,597
baseline
▲ 0.50% · 4.625%
HK$46,250
+HK$2,653/mo
Deposit HK$3.86M · loan HK$9.00M · min. income ≈ HK$87,194/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$481,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,639
−HK$2,466/mo
▼ 0.25% · 3.875%
HK$46,863
−HK$1,242/mo
Today · 4.125%
HK$48,105
baseline
▲ 0.50% · 4.625%
HK$50,641
+HK$2,536/mo
Deposit HK$3.86M · loan HK$9.00M · min. income ≈ HK$96,210/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$481,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,746
−HK$3,307/mo
▼ 0.25% · 3.875%
HK$54,386
−HK$1,667/mo
Today · 4.125%
HK$56,053
baseline
▲ 0.50% · 4.625%
HK$59,464
+HK$3,411/mo
Deposit HK$1.29M · loan HK$11.57M · min. income ≈ HK$112,106/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$481,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,679
−HK$3,170/mo
▼ 0.25% · 3.875%
HK$60,253
−HK$1,596/mo
Today · 4.125%
HK$61,849
baseline
▲ 0.50% · 4.625%
HK$65,110
+HK$3,261/mo
Deposit HK$1.29M · loan HK$11.57M · min. income ≈ HK$123,698/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$481,907 · Scale 2, in force from 26 Feb 2026)