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$29,230
−HK$1,833/mo
▼ 0.25% · 3.875%
HK$30,140
−HK$923/mo
Today · 4.125%
HK$31,063
baseline
▲ 0.50% · 4.625%
HK$32,954
+HK$1,891/mo
Deposit HK$6.41M · loan HK$6.41M · min. income ≈ HK$62,126/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$480,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,518
−HK$1,757/mo
▼ 0.25% · 3.875%
HK$33,391
−HK$884/mo
Today · 4.125%
HK$34,275
baseline
▲ 0.50% · 4.625%
HK$36,082
+HK$1,807/mo
Deposit HK$6.41M · loan HK$6.41M · min. income ≈ HK$68,550/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$480,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,076
−HK$2,200/mo
▼ 0.25% · 3.875%
HK$36,168
−HK$1,108/mo
Today · 4.125%
HK$37,276
baseline
▲ 0.50% · 4.625%
HK$39,544
+HK$2,268/mo
Deposit HK$5.13M · loan HK$7.69M · min. income ≈ HK$74,552/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$480,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,022
−HK$2,108/mo
▼ 0.25% · 3.875%
HK$40,069
−HK$1,061/mo
Today · 4.125%
HK$41,130
baseline
▲ 0.50% · 4.625%
HK$43,298
+HK$2,168/mo
Deposit HK$5.13M · loan HK$7.69M · min. income ≈ HK$82,260/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$480,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,923
−HK$2,566/mo
▼ 0.25% · 3.875%
HK$42,195
−HK$1,294/mo
Today · 4.125%
HK$43,489
baseline
▲ 0.50% · 4.625%
HK$46,135
+HK$2,646/mo
Deposit HK$3.85M · loan HK$8.97M · min. income ≈ HK$86,978/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$480,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,526
−HK$2,460/mo
▼ 0.25% · 3.875%
HK$46,747
−HK$1,239/mo
Today · 4.125%
HK$47,986
baseline
▲ 0.50% · 4.625%
HK$50,515
+HK$2,529/mo
Deposit HK$3.85M · loan HK$8.97M · min. income ≈ HK$95,972/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$480,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,615
−HK$3,299/mo
▼ 0.25% · 3.875%
HK$54,251
−HK$1,663/mo
Today · 4.125%
HK$55,914
baseline
▲ 0.50% · 4.625%
HK$59,316
+HK$3,402/mo
Deposit HK$1.28M · loan HK$11.54M · min. income ≈ HK$111,828/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$480,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,533
−HK$3,163/mo
▼ 0.25% · 3.875%
HK$60,103
−HK$1,593/mo
Today · 4.125%
HK$61,696
baseline
▲ 0.50% · 4.625%
HK$64,948
+HK$3,252/mo
Deposit HK$1.28M · loan HK$11.54M · min. income ≈ HK$123,392/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$480,709 · Scale 2, in force from 26 Feb 2026)