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$29,280
−HK$1,836/mo
▼ 0.25% · 3.875%
HK$30,191
−HK$925/mo
Today · 4.125%
HK$31,116
baseline
▲ 0.50% · 4.625%
HK$33,009
+HK$1,893/mo
Deposit HK$6.42M · loan HK$6.42M · min. income ≈ HK$62,232/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$481,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,574
−HK$1,760/mo
▼ 0.25% · 3.875%
HK$33,447
−HK$887/mo
Today · 4.125%
HK$34,334
baseline
▲ 0.50% · 4.625%
HK$36,143
+HK$1,809/mo
Deposit HK$6.42M · loan HK$6.42M · min. income ≈ HK$68,668/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$481,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,136
−HK$2,203/mo
▼ 0.25% · 3.875%
HK$36,229
−HK$1,110/mo
Today · 4.125%
HK$37,339
baseline
▲ 0.50% · 4.625%
HK$39,611
+HK$2,272/mo
Deposit HK$5.14M · loan HK$7.70M · min. income ≈ HK$74,678/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$481,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,088
−HK$2,112/mo
▼ 0.25% · 3.875%
HK$40,137
−HK$1,063/mo
Today · 4.125%
HK$41,200
baseline
▲ 0.50% · 4.625%
HK$43,372
+HK$2,172/mo
Deposit HK$5.14M · loan HK$7.70M · min. income ≈ HK$82,400/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$481,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,992
−HK$2,571/mo
▼ 0.25% · 3.875%
HK$42,267
−HK$1,296/mo
Today · 4.125%
HK$43,563
baseline
▲ 0.50% · 4.625%
HK$46,213
+HK$2,650/mo
Deposit HK$3.85M · loan HK$8.99M · min. income ≈ HK$87,126/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$481,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,603
−HK$2,464/mo
▼ 0.25% · 3.875%
HK$46,826
−HK$1,241/mo
Today · 4.125%
HK$48,067
baseline
▲ 0.50% · 4.625%
HK$50,601
+HK$2,534/mo
Deposit HK$3.85M · loan HK$8.99M · min. income ≈ HK$96,134/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$481,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,704
−HK$3,305/mo
▼ 0.25% · 3.875%
HK$54,343
−HK$1,666/mo
Today · 4.125%
HK$56,009
baseline
▲ 0.50% · 4.625%
HK$59,417
+HK$3,408/mo
Deposit HK$1.28M · loan HK$11.56M · min. income ≈ HK$112,018/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$481,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,633
−HK$3,167/mo
▼ 0.25% · 3.875%
HK$60,205
−HK$1,595/mo
Today · 4.125%
HK$61,800
baseline
▲ 0.50% · 4.625%
HK$65,058
+HK$3,258/mo
Deposit HK$1.28M · loan HK$11.56M · min. income ≈ HK$123,600/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$481,525 · Scale 2, in force from 26 Feb 2026)