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$29,221
−HK$1,832/mo
▼ 0.25% · 3.875%
HK$30,129
−HK$924/mo
Today · 4.125%
HK$31,053
baseline
▲ 0.50% · 4.625%
HK$32,942
+HK$1,889/mo
Deposit HK$6.41M · loan HK$6.41M · min. income ≈ HK$62,106/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$480,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,508
−HK$1,756/mo
▼ 0.25% · 3.875%
HK$33,379
−HK$885/mo
Today · 4.125%
HK$34,264
baseline
▲ 0.50% · 4.625%
HK$36,070
+HK$1,806/mo
Deposit HK$6.41M · loan HK$6.41M · min. income ≈ HK$68,528/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$480,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,065
−HK$2,199/mo
▼ 0.25% · 3.875%
HK$36,155
−HK$1,109/mo
Today · 4.125%
HK$37,264
baseline
▲ 0.50% · 4.625%
HK$39,531
+HK$2,267/mo
Deposit HK$5.13M · loan HK$7.69M · min. income ≈ HK$74,528/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$480,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,009
−HK$2,108/mo
▼ 0.25% · 3.875%
HK$40,055
−HK$1,062/mo
Today · 4.125%
HK$41,117
baseline
▲ 0.50% · 4.625%
HK$43,284
+HK$2,167/mo
Deposit HK$5.13M · loan HK$7.69M · min. income ≈ HK$82,234/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$480,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,909
−HK$2,565/mo
▼ 0.25% · 3.875%
HK$42,181
−HK$1,293/mo
Today · 4.125%
HK$43,474
baseline
▲ 0.50% · 4.625%
HK$46,119
+HK$2,645/mo
Deposit HK$3.84M · loan HK$8.97M · min. income ≈ HK$86,948/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$480,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,511
−HK$2,458/mo
▼ 0.25% · 3.875%
HK$46,731
−HK$1,238/mo
Today · 4.125%
HK$47,969
baseline
▲ 0.50% · 4.625%
HK$50,498
+HK$2,529/mo
Deposit HK$3.84M · loan HK$8.97M · min. income ≈ HK$95,938/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$480,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,597
−HK$3,298/mo
▼ 0.25% · 3.875%
HK$54,233
−HK$1,662/mo
Today · 4.125%
HK$55,895
baseline
▲ 0.50% · 4.625%
HK$59,296
+HK$3,401/mo
Deposit HK$1.28M · loan HK$11.53M · min. income ≈ HK$111,790/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$480,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,514
−HK$3,161/mo
▼ 0.25% · 3.875%
HK$60,083
−HK$1,592/mo
Today · 4.125%
HK$61,675
baseline
▲ 0.50% · 4.625%
HK$64,926
+HK$3,251/mo
Deposit HK$1.28M · loan HK$11.53M · min. income ≈ HK$123,350/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$480,548 · Scale 2, in force from 26 Feb 2026)