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$29,227
−HK$1,832/mo
▼ 0.25% · 3.875%
HK$30,136
−HK$923/mo
Today · 4.125%
HK$31,059
baseline
▲ 0.50% · 4.625%
HK$32,949
+HK$1,890/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$480,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,514
−HK$1,757/mo
▼ 0.25% · 3.875%
HK$33,386
−HK$885/mo
Today · 4.125%
HK$34,271
baseline
▲ 0.50% · 4.625%
HK$36,078
+HK$1,807/mo
Deposit HK$6.41M · loan HK$6.41M · min. income ≈ HK$68,542/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$480,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,072
−HK$2,199/mo
▼ 0.25% · 3.875%
HK$36,163
−HK$1,108/mo
Today · 4.125%
HK$37,271
baseline
▲ 0.50% · 4.625%
HK$39,539
+HK$2,268/mo
Deposit HK$5.13M · loan HK$7.69M · min. income ≈ HK$74,542/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$480,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,017
−HK$2,108/mo
▼ 0.25% · 3.875%
HK$40,064
−HK$1,061/mo
Today · 4.125%
HK$41,125
baseline
▲ 0.50% · 4.625%
HK$43,293
+HK$2,168/mo
Deposit HK$5.13M · loan HK$7.69M · min. income ≈ HK$82,250/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$480,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,917
−HK$2,566/mo
▼ 0.25% · 3.875%
HK$42,190
−HK$1,293/mo
Today · 4.125%
HK$43,483
baseline
▲ 0.50% · 4.625%
HK$46,129
+HK$2,646/mo
Deposit HK$3.85M · loan HK$8.97M · min. income ≈ HK$86,966/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$480,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,520
−HK$2,459/mo
▼ 0.25% · 3.875%
HK$46,741
−HK$1,238/mo
Today · 4.125%
HK$47,979
baseline
▲ 0.50% · 4.625%
HK$50,509
+HK$2,530/mo
Deposit HK$3.85M · loan HK$8.97M · min. income ≈ HK$95,958/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$480,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,608
−HK$3,299/mo
▼ 0.25% · 3.875%
HK$54,244
−HK$1,663/mo
Today · 4.125%
HK$55,907
baseline
▲ 0.50% · 4.625%
HK$59,309
+HK$3,402/mo
Deposit HK$1.28M · loan HK$11.54M · min. income ≈ HK$111,814/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$480,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,526
−HK$3,162/mo
▼ 0.25% · 3.875%
HK$60,096
−HK$1,592/mo
Today · 4.125%
HK$61,688
baseline
▲ 0.50% · 4.625%
HK$64,940
+HK$3,252/mo
Deposit HK$1.28M · loan HK$11.54M · min. income ≈ HK$123,376/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$480,648 · Scale 2, in force from 26 Feb 2026)