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$29,266
−HK$1,835/mo
▼ 0.25% · 3.875%
HK$30,176
−HK$925/mo
Today · 4.125%
HK$31,101
baseline
▲ 0.50% · 4.625%
HK$32,993
+HK$1,892/mo
Deposit HK$6.42M · loan HK$6.42M · min. income ≈ HK$62,202/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$481,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,558
−HK$1,759/mo
▼ 0.25% · 3.875%
HK$33,431
−HK$886/mo
Today · 4.125%
HK$34,317
baseline
▲ 0.50% · 4.625%
HK$36,126
+HK$1,809/mo
Deposit HK$6.42M · loan HK$6.42M · min. income ≈ HK$68,634/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$481,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,119
−HK$2,202/mo
▼ 0.25% · 3.875%
HK$36,211
−HK$1,110/mo
Today · 4.125%
HK$37,321
baseline
▲ 0.50% · 4.625%
HK$39,592
+HK$2,271/mo
Deposit HK$5.13M · loan HK$7.70M · min. income ≈ HK$74,642/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$481,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,069
−HK$2,111/mo
▼ 0.25% · 3.875%
HK$40,117
−HK$1,063/mo
Today · 4.125%
HK$41,180
baseline
▲ 0.50% · 4.625%
HK$43,351
+HK$2,171/mo
Deposit HK$5.13M · loan HK$7.70M · min. income ≈ HK$82,360/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$481,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,972
−HK$2,569/mo
▼ 0.25% · 3.875%
HK$42,246
−HK$1,295/mo
Today · 4.125%
HK$43,541
baseline
▲ 0.50% · 4.625%
HK$46,191
+HK$2,650/mo
Deposit HK$3.85M · loan HK$8.98M · min. income ≈ HK$87,082/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$481,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,581
−HK$2,462/mo
▼ 0.25% · 3.875%
HK$46,803
−HK$1,240/mo
Today · 4.125%
HK$48,043
baseline
▲ 0.50% · 4.625%
HK$50,576
+HK$2,533/mo
Deposit HK$3.85M · loan HK$8.98M · min. income ≈ HK$96,086/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$481,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,678
−HK$3,304/mo
▼ 0.25% · 3.875%
HK$54,317
−HK$1,665/mo
Today · 4.125%
HK$55,982
baseline
▲ 0.50% · 4.625%
HK$59,388
+HK$3,406/mo
Deposit HK$1.28M · loan HK$11.55M · min. income ≈ HK$111,964/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$481,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,604
−HK$3,166/mo
▼ 0.25% · 3.875%
HK$60,176
−HK$1,594/mo
Today · 4.125%
HK$61,770
baseline
▲ 0.50% · 4.625%
HK$65,026
+HK$3,256/mo
Deposit HK$1.28M · loan HK$11.55M · min. income ≈ HK$123,540/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$481,290 · Scale 2, in force from 26 Feb 2026)