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$29,250
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$30,160
−HK$924/mo
Today · 4.125%
HK$31,084
baseline
▲ 0.50% · 4.625%
HK$32,976
+HK$1,892/mo
Deposit HK$6.41M · loan HK$6.41M · min. income ≈ HK$62,168/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$481,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,541
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$33,413
−HK$886/mo
Today · 4.125%
HK$34,299
baseline
▲ 0.50% · 4.625%
HK$36,107
+HK$1,808/mo
Deposit HK$6.41M · loan HK$6.41M · min. income ≈ HK$68,598/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$481,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,100
−HK$2,201/mo
▼ 0.25% · 3.875%
HK$36,192
−HK$1,109/mo
Today · 4.125%
HK$37,301
baseline
▲ 0.50% · 4.625%
HK$39,571
+HK$2,270/mo
Deposit HK$5.13M · loan HK$7.70M · min. income ≈ HK$74,602/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$481,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,049
−HK$2,109/mo
▼ 0.25% · 3.875%
HK$40,096
−HK$1,062/mo
Today · 4.125%
HK$41,158
baseline
▲ 0.50% · 4.625%
HK$43,328
+HK$2,170/mo
Deposit HK$5.13M · loan HK$7.70M · min. income ≈ HK$82,316/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$481,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,950
−HK$2,568/mo
▼ 0.25% · 3.875%
HK$42,224
−HK$1,294/mo
Today · 4.125%
HK$43,518
baseline
▲ 0.50% · 4.625%
HK$46,166
+HK$2,648/mo
Deposit HK$3.85M · loan HK$8.98M · min. income ≈ HK$87,036/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$481,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,557
−HK$2,461/mo
▼ 0.25% · 3.875%
HK$46,779
−HK$1,239/mo
Today · 4.125%
HK$48,018
baseline
▲ 0.50% · 4.625%
HK$50,549
+HK$2,531/mo
Deposit HK$3.85M · loan HK$8.98M · min. income ≈ HK$96,036/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$481,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,650
−HK$3,302/mo
▼ 0.25% · 3.875%
HK$54,288
−HK$1,664/mo
Today · 4.125%
HK$55,952
baseline
▲ 0.50% · 4.625%
HK$59,357
+HK$3,405/mo
Deposit HK$1.28M · loan HK$11.54M · min. income ≈ HK$111,904/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$481,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,573
−HK$3,165/mo
▼ 0.25% · 3.875%
HK$60,144
−HK$1,594/mo
Today · 4.125%
HK$61,738
baseline
▲ 0.50% · 4.625%
HK$64,992
+HK$3,254/mo
Deposit HK$1.28M · loan HK$11.54M · min. income ≈ HK$123,476/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$481,035 · Scale 2, in force from 26 Feb 2026)