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$29,211
−HK$1,832/mo
▼ 0.25% · 3.875%
HK$30,119
−HK$924/mo
Today · 4.125%
HK$31,043
baseline
▲ 0.50% · 4.625%
HK$32,931
+HK$1,888/mo
Deposit HK$6.41M · loan HK$6.41M · min. income ≈ HK$62,086/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$480,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,497
−HK$1,755/mo
▼ 0.25% · 3.875%
HK$33,368
−HK$884/mo
Today · 4.125%
HK$34,252
baseline
▲ 0.50% · 4.625%
HK$36,058
+HK$1,806/mo
Deposit HK$6.41M · loan HK$6.41M · min. income ≈ HK$68,504/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$480,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,053
−HK$2,198/mo
▼ 0.25% · 3.875%
HK$36,143
−HK$1,108/mo
Today · 4.125%
HK$37,251
baseline
▲ 0.50% · 4.625%
HK$39,518
+HK$2,267/mo
Deposit HK$5.12M · loan HK$7.69M · min. income ≈ HK$74,502/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$480,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,996
−HK$2,107/mo
▼ 0.25% · 3.875%
HK$40,042
−HK$1,061/mo
Today · 4.125%
HK$41,103
baseline
▲ 0.50% · 4.625%
HK$43,269
+HK$2,166/mo
Deposit HK$5.12M · loan HK$7.69M · min. income ≈ HK$82,206/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$480,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,895
−HK$2,565/mo
▼ 0.25% · 3.875%
HK$42,167
−HK$1,293/mo
Today · 4.125%
HK$43,460
baseline
▲ 0.50% · 4.625%
HK$46,104
+HK$2,644/mo
Deposit HK$3.84M · loan HK$8.97M · min. income ≈ HK$86,920/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$480,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,495
−HK$2,458/mo
▼ 0.25% · 3.875%
HK$46,715
−HK$1,238/mo
Today · 4.125%
HK$47,953
baseline
▲ 0.50% · 4.625%
HK$50,481
+HK$2,528/mo
Deposit HK$3.84M · loan HK$8.97M · min. income ≈ HK$95,906/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$480,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,579
−HK$3,298/mo
▼ 0.25% · 3.875%
HK$54,215
−HK$1,662/mo
Today · 4.125%
HK$55,877
baseline
▲ 0.50% · 4.625%
HK$59,276
+HK$3,399/mo
Deposit HK$1.28M · loan HK$11.53M · min. income ≈ HK$111,754/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$480,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,494
−HK$3,160/mo
▼ 0.25% · 3.875%
HK$60,063
−HK$1,591/mo
Today · 4.125%
HK$61,654
baseline
▲ 0.50% · 4.625%
HK$64,904
+HK$3,250/mo
Deposit HK$1.28M · loan HK$11.53M · min. income ≈ HK$123,308/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$480,386 · Scale 2, in force from 26 Feb 2026)