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$29,225
−HK$1,832/mo
▼ 0.25% · 3.875%
HK$30,134
−HK$923/mo
Today · 4.125%
HK$31,057
baseline
▲ 0.50% · 4.625%
HK$32,947
+HK$1,890/mo
Deposit HK$6.41M · loan HK$6.41M · min. income ≈ HK$62,114/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$480,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,512
−HK$1,757/mo
▼ 0.25% · 3.875%
HK$33,384
−HK$885/mo
Today · 4.125%
HK$34,269
baseline
▲ 0.50% · 4.625%
HK$36,075
+HK$1,806/mo
Deposit HK$6.41M · loan HK$6.41M · min. income ≈ HK$68,538/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$480,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,070
−HK$2,199/mo
▼ 0.25% · 3.875%
HK$36,161
−HK$1,108/mo
Today · 4.125%
HK$37,269
baseline
▲ 0.50% · 4.625%
HK$39,537
+HK$2,268/mo
Deposit HK$5.13M · loan HK$7.69M · min. income ≈ HK$74,538/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$480,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,015
−HK$2,108/mo
▼ 0.25% · 3.875%
HK$40,061
−HK$1,062/mo
Today · 4.125%
HK$41,123
baseline
▲ 0.50% · 4.625%
HK$43,290
+HK$2,167/mo
Deposit HK$5.13M · loan HK$7.69M · min. income ≈ HK$82,246/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$480,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,915
−HK$2,565/mo
▼ 0.25% · 3.875%
HK$42,187
−HK$1,293/mo
Today · 4.125%
HK$43,480
baseline
▲ 0.50% · 4.625%
HK$46,126
+HK$2,646/mo
Deposit HK$3.84M · loan HK$8.97M · min. income ≈ HK$86,960/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$480,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,517
−HK$2,459/mo
▼ 0.25% · 3.875%
HK$46,738
−HK$1,238/mo
Today · 4.125%
HK$47,976
baseline
▲ 0.50% · 4.625%
HK$50,505
+HK$2,529/mo
Deposit HK$3.84M · loan HK$8.97M · min. income ≈ HK$95,952/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$480,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,605
−HK$3,298/mo
▼ 0.25% · 3.875%
HK$54,241
−HK$1,662/mo
Today · 4.125%
HK$55,903
baseline
▲ 0.50% · 4.625%
HK$59,305
+HK$3,402/mo
Deposit HK$1.28M · loan HK$11.53M · min. income ≈ HK$111,806/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$480,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,522
−HK$3,162/mo
▼ 0.25% · 3.875%
HK$60,092
−HK$1,592/mo
Today · 4.125%
HK$61,684
baseline
▲ 0.50% · 4.625%
HK$64,935
+HK$3,251/mo
Deposit HK$1.28M · loan HK$11.53M · min. income ≈ HK$123,368/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$480,617 · Scale 2, in force from 26 Feb 2026)