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$29,231
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$30,141
−HK$924/mo
Today · 4.125%
HK$31,065
baseline
▲ 0.50% · 4.625%
HK$32,955
+HK$1,890/mo
Deposit HK$6.41M · loan HK$6.41M · min. income ≈ HK$62,130/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$480,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,520
−HK$1,757/mo
▼ 0.25% · 3.875%
HK$33,392
−HK$885/mo
Today · 4.125%
HK$34,277
baseline
▲ 0.50% · 4.625%
HK$36,083
+HK$1,806/mo
Deposit HK$6.41M · loan HK$6.41M · min. income ≈ HK$68,554/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$480,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,078
−HK$2,199/mo
▼ 0.25% · 3.875%
HK$36,169
−HK$1,108/mo
Today · 4.125%
HK$37,277
baseline
▲ 0.50% · 4.625%
HK$39,546
+HK$2,269/mo
Deposit HK$5.13M · loan HK$7.69M · min. income ≈ HK$74,554/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$480,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,024
−HK$2,108/mo
▼ 0.25% · 3.875%
HK$40,070
−HK$1,062/mo
Today · 4.125%
HK$41,132
baseline
▲ 0.50% · 4.625%
HK$43,300
+HK$2,168/mo
Deposit HK$5.13M · loan HK$7.69M · min. income ≈ HK$82,264/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$480,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,924
−HK$2,566/mo
▼ 0.25% · 3.875%
HK$42,197
−HK$1,293/mo
Today · 4.125%
HK$43,490
baseline
▲ 0.50% · 4.625%
HK$46,137
+HK$2,647/mo
Deposit HK$3.85M · loan HK$8.97M · min. income ≈ HK$86,980/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$480,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,528
−HK$2,459/mo
▼ 0.25% · 3.875%
HK$46,749
−HK$1,238/mo
Today · 4.125%
HK$47,987
baseline
▲ 0.50% · 4.625%
HK$50,517
+HK$2,530/mo
Deposit HK$3.85M · loan HK$8.97M · min. income ≈ HK$95,974/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$480,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,617
−HK$3,299/mo
▼ 0.25% · 3.875%
HK$54,253
−HK$1,663/mo
Today · 4.125%
HK$55,916
baseline
▲ 0.50% · 4.625%
HK$59,319
+HK$3,403/mo
Deposit HK$1.28M · loan HK$11.54M · min. income ≈ HK$111,832/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$480,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,536
−HK$3,162/mo
▼ 0.25% · 3.875%
HK$60,105
−HK$1,593/mo
Today · 4.125%
HK$61,698
baseline
▲ 0.50% · 4.625%
HK$64,950
+HK$3,252/mo
Deposit HK$1.28M · loan HK$11.54M · min. income ≈ HK$123,396/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$480,727 · Scale 2, in force from 26 Feb 2026)