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$29,292
−HK$1,837/mo
▼ 0.25% · 3.875%
HK$30,203
−HK$926/mo
Today · 4.125%
HK$31,129
baseline
▲ 0.50% · 4.625%
HK$33,023
+HK$1,894/mo
Deposit HK$6.42M · loan HK$6.42M · min. income ≈ HK$62,258/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$481,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,587
−HK$1,761/mo
▼ 0.25% · 3.875%
HK$33,461
−HK$887/mo
Today · 4.125%
HK$34,348
baseline
▲ 0.50% · 4.625%
HK$36,159
+HK$1,811/mo
Deposit HK$6.42M · loan HK$6.42M · min. income ≈ HK$68,696/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$481,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,151
−HK$2,204/mo
▼ 0.25% · 3.875%
HK$36,244
−HK$1,111/mo
Today · 4.125%
HK$37,355
baseline
▲ 0.50% · 4.625%
HK$39,628
+HK$2,273/mo
Deposit HK$5.14M · loan HK$7.71M · min. income ≈ HK$74,710/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$481,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,105
−HK$2,113/mo
▼ 0.25% · 3.875%
HK$40,154
−HK$1,064/mo
Today · 4.125%
HK$41,218
baseline
▲ 0.50% · 4.625%
HK$43,390
+HK$2,172/mo
Deposit HK$5.14M · loan HK$7.71M · min. income ≈ HK$82,436/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$481,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,009
−HK$2,572/mo
▼ 0.25% · 3.875%
HK$42,285
−HK$1,296/mo
Today · 4.125%
HK$43,581
baseline
▲ 0.50% · 4.625%
HK$46,233
+HK$2,652/mo
Deposit HK$3.85M · loan HK$8.99M · min. income ≈ HK$87,162/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$481,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,622
−HK$2,465/mo
▼ 0.25% · 3.875%
HK$46,846
−HK$1,241/mo
Today · 4.125%
HK$48,087
baseline
▲ 0.50% · 4.625%
HK$50,622
+HK$2,535/mo
Deposit HK$3.85M · loan HK$8.99M · min. income ≈ HK$96,174/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$481,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,726
−HK$3,307/mo
▼ 0.25% · 3.875%
HK$54,366
−HK$1,667/mo
Today · 4.125%
HK$56,033
baseline
▲ 0.50% · 4.625%
HK$59,442
+HK$3,409/mo
Deposit HK$1.28M · loan HK$11.56M · min. income ≈ HK$112,066/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$481,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,657
−HK$3,169/mo
▼ 0.25% · 3.875%
HK$60,231
−HK$1,595/mo
Today · 4.125%
HK$61,826
baseline
▲ 0.50% · 4.625%
HK$65,085
+HK$3,259/mo
Deposit HK$1.28M · loan HK$11.56M · min. income ≈ HK$123,652/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$481,728 · Scale 2, in force from 26 Feb 2026)