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$29,051
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$29,955
−HK$918/mo
Today · 4.125%
HK$30,873
baseline
▲ 0.50% · 4.625%
HK$32,751
+HK$1,878/mo
Deposit HK$6.37M · loan HK$6.37M · min. income ≈ HK$61,746/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$477,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,319
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$33,186
−HK$879/mo
Today · 4.125%
HK$34,065
baseline
▲ 0.50% · 4.625%
HK$35,861
+HK$1,796/mo
Deposit HK$6.37M · loan HK$6.37M · min. income ≈ HK$68,130/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$477,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,861
−HK$2,186/mo
▼ 0.25% · 3.875%
HK$35,946
−HK$1,101/mo
Today · 4.125%
HK$37,047
baseline
▲ 0.50% · 4.625%
HK$39,302
+HK$2,255/mo
Deposit HK$5.10M · loan HK$7.64M · min. income ≈ HK$74,094/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$477,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,783
−HK$2,095/mo
▼ 0.25% · 3.875%
HK$39,823
−HK$1,055/mo
Today · 4.125%
HK$40,878
baseline
▲ 0.50% · 4.625%
HK$43,033
+HK$2,155/mo
Deposit HK$5.10M · loan HK$7.64M · min. income ≈ HK$81,756/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$477,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,671
−HK$2,551/mo
▼ 0.25% · 3.875%
HK$41,937
−HK$1,285/mo
Today · 4.125%
HK$43,222
baseline
▲ 0.50% · 4.625%
HK$45,852
+HK$2,630/mo
Deposit HK$3.82M · loan HK$8.92M · min. income ≈ HK$86,444/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$477,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,247
−HK$2,444/mo
▼ 0.25% · 3.875%
HK$46,460
−HK$1,231/mo
Today · 4.125%
HK$47,691
baseline
▲ 0.50% · 4.625%
HK$50,205
+HK$2,514/mo
Deposit HK$3.82M · loan HK$8.92M · min. income ≈ HK$95,382/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$477,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,292
−HK$3,279/mo
▼ 0.25% · 3.875%
HK$53,918
−HK$1,653/mo
Today · 4.125%
HK$55,571
baseline
▲ 0.50% · 4.625%
HK$58,952
+HK$3,381/mo
Deposit HK$1.27M · loan HK$11.47M · min. income ≈ HK$111,142/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$477,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,174
−HK$3,143/mo
▼ 0.25% · 3.875%
HK$59,734
−HK$1,583/mo
Today · 4.125%
HK$61,317
baseline
▲ 0.50% · 4.625%
HK$64,549
+HK$3,232/mo
Deposit HK$1.27M · loan HK$11.47M · min. income ≈ HK$122,634/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$477,759 · Scale 2, in force from 26 Feb 2026)