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$29,255
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$30,165
−HK$924/mo
Today · 4.125%
HK$31,089
baseline
▲ 0.50% · 4.625%
HK$32,981
+HK$1,892/mo
Deposit HK$6.41M · loan HK$6.41M · min. income ≈ HK$62,178/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$481,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,546
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$33,419
−HK$885/mo
Today · 4.125%
HK$34,304
baseline
▲ 0.50% · 4.625%
HK$36,112
+HK$1,808/mo
Deposit HK$6.41M · loan HK$6.41M · min. income ≈ HK$68,608/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$481,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,106
−HK$2,201/mo
▼ 0.25% · 3.875%
HK$36,198
−HK$1,109/mo
Today · 4.125%
HK$37,307
baseline
▲ 0.50% · 4.625%
HK$39,577
+HK$2,270/mo
Deposit HK$5.13M · loan HK$7.70M · min. income ≈ HK$74,614/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$481,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,055
−HK$2,110/mo
▼ 0.25% · 3.875%
HK$40,102
−HK$1,063/mo
Today · 4.125%
HK$41,165
baseline
▲ 0.50% · 4.625%
HK$43,335
+HK$2,170/mo
Deposit HK$5.13M · loan HK$7.70M · min. income ≈ HK$82,330/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$481,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,957
−HK$2,568/mo
▼ 0.25% · 3.875%
HK$42,231
−HK$1,294/mo
Today · 4.125%
HK$43,525
baseline
▲ 0.50% · 4.625%
HK$46,173
+HK$2,648/mo
Deposit HK$3.85M · loan HK$8.98M · min. income ≈ HK$87,050/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$481,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,564
−HK$2,462/mo
▼ 0.25% · 3.875%
HK$46,786
−HK$1,240/mo
Today · 4.125%
HK$48,026
baseline
▲ 0.50% · 4.625%
HK$50,557
+HK$2,531/mo
Deposit HK$3.85M · loan HK$8.98M · min. income ≈ HK$96,052/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$481,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,659
−HK$3,302/mo
▼ 0.25% · 3.875%
HK$54,297
−HK$1,664/mo
Today · 4.125%
HK$55,961
baseline
▲ 0.50% · 4.625%
HK$59,366
+HK$3,405/mo
Deposit HK$1.28M · loan HK$11.55M · min. income ≈ HK$111,922/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$481,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,582
−HK$3,165/mo
▼ 0.25% · 3.875%
HK$60,153
−HK$1,594/mo
Today · 4.125%
HK$61,747
baseline
▲ 0.50% · 4.625%
HK$65,002
+HK$3,255/mo
Deposit HK$1.28M · loan HK$11.55M · min. income ≈ HK$123,494/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$481,111 · Scale 2, in force from 26 Feb 2026)