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$29,279
−HK$1,836/mo
▼ 0.25% · 3.875%
HK$30,190
−HK$925/mo
Today · 4.125%
HK$31,115
baseline
▲ 0.50% · 4.625%
HK$33,009
+HK$1,894/mo
Deposit HK$6.42M · loan HK$6.42M · min. income ≈ HK$62,230/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$481,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,573
−HK$1,760/mo
▼ 0.25% · 3.875%
HK$33,446
−HK$887/mo
Today · 4.125%
HK$34,333
baseline
▲ 0.50% · 4.625%
HK$36,142
+HK$1,809/mo
Deposit HK$6.42M · loan HK$6.42M · min. income ≈ HK$68,666/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$481,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,135
−HK$2,203/mo
▼ 0.25% · 3.875%
HK$36,228
−HK$1,110/mo
Today · 4.125%
HK$37,338
baseline
▲ 0.50% · 4.625%
HK$39,610
+HK$2,272/mo
Deposit HK$5.14M · loan HK$7.70M · min. income ≈ HK$74,676/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$481,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,087
−HK$2,112/mo
▼ 0.25% · 3.875%
HK$40,136
−HK$1,063/mo
Today · 4.125%
HK$41,199
baseline
▲ 0.50% · 4.625%
HK$43,371
+HK$2,172/mo
Deposit HK$5.14M · loan HK$7.70M · min. income ≈ HK$82,398/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$481,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,991
−HK$2,570/mo
▼ 0.25% · 3.875%
HK$42,266
−HK$1,295/mo
Today · 4.125%
HK$43,561
baseline
▲ 0.50% · 4.625%
HK$46,212
+HK$2,651/mo
Deposit HK$3.85M · loan HK$8.99M · min. income ≈ HK$87,122/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$481,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,602
−HK$2,464/mo
▼ 0.25% · 3.875%
HK$46,825
−HK$1,241/mo
Today · 4.125%
HK$48,066
baseline
▲ 0.50% · 4.625%
HK$50,599
+HK$2,533/mo
Deposit HK$3.85M · loan HK$8.99M · min. income ≈ HK$96,132/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$481,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,703
−HK$3,305/mo
▼ 0.25% · 3.875%
HK$54,342
−HK$1,666/mo
Today · 4.125%
HK$56,008
baseline
▲ 0.50% · 4.625%
HK$59,415
+HK$3,407/mo
Deposit HK$1.28M · loan HK$11.56M · min. income ≈ HK$112,016/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$481,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,631
−HK$3,168/mo
▼ 0.25% · 3.875%
HK$60,204
−HK$1,595/mo
Today · 4.125%
HK$61,799
baseline
▲ 0.50% · 4.625%
HK$65,056
+HK$3,257/mo
Deposit HK$1.28M · loan HK$11.56M · min. income ≈ HK$123,598/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$481,513 · Scale 2, in force from 26 Feb 2026)