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$29,063
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$29,967
−HK$919/mo
Today · 4.125%
HK$30,886
baseline
▲ 0.50% · 4.625%
HK$32,765
+HK$1,879/mo
Deposit HK$6.37M · loan HK$6.37M · min. income ≈ HK$61,772/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$477,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,333
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$33,200
−HK$880/mo
Today · 4.125%
HK$34,080
baseline
▲ 0.50% · 4.625%
HK$35,876
+HK$1,796/mo
Deposit HK$6.37M · loan HK$6.37M · min. income ≈ HK$68,160/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$477,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,876
−HK$2,187/mo
▼ 0.25% · 3.875%
HK$35,961
−HK$1,102/mo
Today · 4.125%
HK$37,063
baseline
▲ 0.50% · 4.625%
HK$39,318
+HK$2,255/mo
Deposit HK$5.10M · loan HK$7.65M · min. income ≈ HK$74,126/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$477,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,799
−HK$2,096/mo
▼ 0.25% · 3.875%
HK$39,840
−HK$1,055/mo
Today · 4.125%
HK$40,895
baseline
▲ 0.50% · 4.625%
HK$43,051
+HK$2,156/mo
Deposit HK$5.10M · loan HK$7.65M · min. income ≈ HK$81,790/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$477,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,689
−HK$2,551/mo
▼ 0.25% · 3.875%
HK$41,954
−HK$1,286/mo
Today · 4.125%
HK$43,240
baseline
▲ 0.50% · 4.625%
HK$45,871
+HK$2,631/mo
Deposit HK$3.82M · loan HK$8.92M · min. income ≈ HK$86,480/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$477,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,266
−HK$2,445/mo
▼ 0.25% · 3.875%
HK$46,480
−HK$1,231/mo
Today · 4.125%
HK$47,711
baseline
▲ 0.50% · 4.625%
HK$50,226
+HK$2,515/mo
Deposit HK$3.82M · loan HK$8.92M · min. income ≈ HK$95,422/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$477,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,314
−HK$3,281/mo
▼ 0.25% · 3.875%
HK$53,941
−HK$1,654/mo
Today · 4.125%
HK$55,595
baseline
▲ 0.50% · 4.625%
HK$58,977
+HK$3,382/mo
Deposit HK$1.27M · loan HK$11.47M · min. income ≈ HK$111,190/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$477,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,199
−HK$3,144/mo
▼ 0.25% · 3.875%
HK$59,760
−HK$1,583/mo
Today · 4.125%
HK$61,343
baseline
▲ 0.50% · 4.625%
HK$64,577
+HK$3,234/mo
Deposit HK$1.27M · loan HK$11.47M · min. income ≈ HK$122,686/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$477,963 · Scale 2, in force from 26 Feb 2026)