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$29,021
−HK$1,820/mo
▼ 0.25% · 3.875%
HK$29,924
−HK$917/mo
Today · 4.125%
HK$30,841
baseline
▲ 0.50% · 4.625%
HK$32,718
+HK$1,877/mo
Deposit HK$6.36M · loan HK$6.36M · min. income ≈ HK$61,682/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$477,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,286
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$33,152
−HK$878/mo
Today · 4.125%
HK$34,030
baseline
▲ 0.50% · 4.625%
HK$35,824
+HK$1,794/mo
Deposit HK$6.36M · loan HK$6.36M · min. income ≈ HK$68,060/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$477,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,826
−HK$2,184/mo
▼ 0.25% · 3.875%
HK$35,909
−HK$1,101/mo
Today · 4.125%
HK$37,010
baseline
▲ 0.50% · 4.625%
HK$39,262
+HK$2,252/mo
Deposit HK$5.09M · loan HK$7.64M · min. income ≈ HK$74,020/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$477,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,743
−HK$2,093/mo
▼ 0.25% · 3.875%
HK$39,782
−HK$1,054/mo
Today · 4.125%
HK$40,836
baseline
▲ 0.50% · 4.625%
HK$42,989
+HK$2,153/mo
Deposit HK$5.09M · loan HK$7.64M · min. income ≈ HK$81,672/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$477,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,630
−HK$2,548/mo
▼ 0.25% · 3.875%
HK$41,894
−HK$1,284/mo
Today · 4.125%
HK$43,178
baseline
▲ 0.50% · 4.625%
HK$45,805
+HK$2,627/mo
Deposit HK$3.82M · loan HK$8.91M · min. income ≈ HK$86,356/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$477,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,201
−HK$2,442/mo
▼ 0.25% · 3.875%
HK$46,413
−HK$1,230/mo
Today · 4.125%
HK$47,643
baseline
▲ 0.50% · 4.625%
HK$50,154
+HK$2,511/mo
Deposit HK$3.82M · loan HK$8.91M · min. income ≈ HK$95,286/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$477,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,239
−HK$3,275/mo
▼ 0.25% · 3.875%
HK$53,864
−HK$1,650/mo
Today · 4.125%
HK$55,514
baseline
▲ 0.50% · 4.625%
HK$58,892
+HK$3,378/mo
Deposit HK$1.27M · loan HK$11.45M · min. income ≈ HK$111,028/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$477,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,115
−HK$3,140/mo
▼ 0.25% · 3.875%
HK$59,674
−HK$1,581/mo
Today · 4.125%
HK$61,255
baseline
▲ 0.50% · 4.625%
HK$64,484
+HK$3,229/mo
Deposit HK$1.27M · loan HK$11.45M · min. income ≈ HK$122,510/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$477,274 · Scale 2, in force from 26 Feb 2026)