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$29,301
−HK$1,838/mo
▼ 0.25% · 3.875%
HK$30,213
−HK$926/mo
Today · 4.125%
HK$31,139
baseline
▲ 0.50% · 4.625%
HK$33,033
+HK$1,894/mo
Deposit HK$6.42M · loan HK$6.42M · min. income ≈ HK$62,278/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$481,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,597
−HK$1,761/mo
▼ 0.25% · 3.875%
HK$33,472
−HK$886/mo
Today · 4.125%
HK$34,358
baseline
▲ 0.50% · 4.625%
HK$36,170
+HK$1,812/mo
Deposit HK$6.42M · loan HK$6.42M · min. income ≈ HK$68,716/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$481,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,161
−HK$2,205/mo
▼ 0.25% · 3.875%
HK$36,255
−HK$1,111/mo
Today · 4.125%
HK$37,366
baseline
▲ 0.50% · 4.625%
HK$39,640
+HK$2,274/mo
Deposit HK$5.14M · loan HK$7.71M · min. income ≈ HK$74,732/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$481,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,117
−HK$2,113/mo
▼ 0.25% · 3.875%
HK$40,166
−HK$1,064/mo
Today · 4.125%
HK$41,230
baseline
▲ 0.50% · 4.625%
HK$43,403
+HK$2,173/mo
Deposit HK$5.14M · loan HK$7.71M · min. income ≈ HK$82,460/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$481,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,022
−HK$2,572/mo
▼ 0.25% · 3.875%
HK$42,298
−HK$1,296/mo
Today · 4.125%
HK$43,594
baseline
▲ 0.50% · 4.625%
HK$46,247
+HK$2,653/mo
Deposit HK$3.85M · loan HK$8.99M · min. income ≈ HK$87,188/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$481,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,636
−HK$2,466/mo
▼ 0.25% · 3.875%
HK$46,860
−HK$1,242/mo
Today · 4.125%
HK$48,102
baseline
▲ 0.50% · 4.625%
HK$50,637
+HK$2,535/mo
Deposit HK$3.85M · loan HK$8.99M · min. income ≈ HK$96,204/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$481,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,742
−HK$3,308/mo
▼ 0.25% · 3.875%
HK$54,383
−HK$1,667/mo
Today · 4.125%
HK$56,050
baseline
▲ 0.50% · 4.625%
HK$59,460
+HK$3,410/mo
Deposit HK$1.28M · loan HK$11.56M · min. income ≈ HK$112,100/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$481,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,675
−HK$3,170/mo
▼ 0.25% · 3.875%
HK$60,249
−HK$1,596/mo
Today · 4.125%
HK$61,845
baseline
▲ 0.50% · 4.625%
HK$65,105
+HK$3,260/mo
Deposit HK$1.28M · loan HK$11.56M · min. income ≈ HK$123,690/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$481,874 · Scale 2, in force from 26 Feb 2026)