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$29,226
−HK$1,833/mo
▼ 0.25% · 3.875%
HK$30,135
−HK$924/mo
Today · 4.125%
HK$31,059
baseline
▲ 0.50% · 4.625%
HK$32,948
+HK$1,889/mo
Deposit HK$6.41M · loan HK$6.41M · min. income ≈ HK$62,118/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$480,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,514
−HK$1,756/mo
▼ 0.25% · 3.875%
HK$33,386
−HK$884/mo
Today · 4.125%
HK$34,270
baseline
▲ 0.50% · 4.625%
HK$36,077
+HK$1,807/mo
Deposit HK$6.41M · loan HK$6.41M · min. income ≈ HK$68,540/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$480,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,071
−HK$2,199/mo
▼ 0.25% · 3.875%
HK$36,162
−HK$1,108/mo
Today · 4.125%
HK$37,270
baseline
▲ 0.50% · 4.625%
HK$39,538
+HK$2,268/mo
Deposit HK$5.13M · loan HK$7.69M · min. income ≈ HK$74,540/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$480,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,016
−HK$2,108/mo
▼ 0.25% · 3.875%
HK$40,063
−HK$1,061/mo
Today · 4.125%
HK$41,124
baseline
▲ 0.50% · 4.625%
HK$43,292
+HK$2,168/mo
Deposit HK$5.13M · loan HK$7.69M · min. income ≈ HK$82,248/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$480,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,916
−HK$2,566/mo
▼ 0.25% · 3.875%
HK$42,189
−HK$1,293/mo
Today · 4.125%
HK$43,482
baseline
▲ 0.50% · 4.625%
HK$46,128
+HK$2,646/mo
Deposit HK$3.85M · loan HK$8.97M · min. income ≈ HK$86,964/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$480,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,519
−HK$2,459/mo
▼ 0.25% · 3.875%
HK$46,740
−HK$1,238/mo
Today · 4.125%
HK$47,978
baseline
▲ 0.50% · 4.625%
HK$50,507
+HK$2,529/mo
Deposit HK$3.85M · loan HK$8.97M · min. income ≈ HK$95,956/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$480,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,607
−HK$3,299/mo
▼ 0.25% · 3.875%
HK$54,243
−HK$1,663/mo
Today · 4.125%
HK$55,906
baseline
▲ 0.50% · 4.625%
HK$59,307
+HK$3,401/mo
Deposit HK$1.28M · loan HK$11.54M · min. income ≈ HK$111,812/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$480,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,524
−HK$3,162/mo
▼ 0.25% · 3.875%
HK$60,094
−HK$1,592/mo
Today · 4.125%
HK$61,686
baseline
▲ 0.50% · 4.625%
HK$64,938
+HK$3,252/mo
Deposit HK$1.28M · loan HK$11.54M · min. income ≈ HK$123,372/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$480,636 · Scale 2, in force from 26 Feb 2026)