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$29,032
−HK$1,820/mo
▼ 0.25% · 3.875%
HK$29,935
−HK$917/mo
Today · 4.125%
HK$30,852
baseline
▲ 0.50% · 4.625%
HK$32,730
+HK$1,878/mo
Deposit HK$6.37M · loan HK$6.37M · min. income ≈ HK$61,704/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$477,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,298
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$33,164
−HK$878/mo
Today · 4.125%
HK$34,042
baseline
▲ 0.50% · 4.625%
HK$35,837
+HK$1,795/mo
Deposit HK$6.37M · loan HK$6.37M · min. income ≈ HK$68,084/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$477,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,838
−HK$2,185/mo
▼ 0.25% · 3.875%
HK$35,922
−HK$1,101/mo
Today · 4.125%
HK$37,023
baseline
▲ 0.50% · 4.625%
HK$39,275
+HK$2,252/mo
Deposit HK$5.09M · loan HK$7.64M · min. income ≈ HK$74,046/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$477,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,757
−HK$2,094/mo
▼ 0.25% · 3.875%
HK$39,796
−HK$1,055/mo
Today · 4.125%
HK$40,851
baseline
▲ 0.50% · 4.625%
HK$43,004
+HK$2,153/mo
Deposit HK$5.09M · loan HK$7.64M · min. income ≈ HK$81,702/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$477,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,644
−HK$2,549/mo
▼ 0.25% · 3.875%
HK$41,909
−HK$1,284/mo
Today · 4.125%
HK$43,193
baseline
▲ 0.50% · 4.625%
HK$45,821
+HK$2,628/mo
Deposit HK$3.82M · loan HK$8.91M · min. income ≈ HK$86,386/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$477,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,217
−HK$2,442/mo
▼ 0.25% · 3.875%
HK$46,429
−HK$1,230/mo
Today · 4.125%
HK$47,659
baseline
▲ 0.50% · 4.625%
HK$50,172
+HK$2,513/mo
Deposit HK$3.82M · loan HK$8.91M · min. income ≈ HK$95,318/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$477,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,257
−HK$3,277/mo
▼ 0.25% · 3.875%
HK$53,883
−HK$1,651/mo
Today · 4.125%
HK$55,534
baseline
▲ 0.50% · 4.625%
HK$58,913
+HK$3,379/mo
Deposit HK$1.27M · loan HK$11.46M · min. income ≈ HK$111,068/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$477,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,136
−HK$3,140/mo
▼ 0.25% · 3.875%
HK$59,695
−HK$1,581/mo
Today · 4.125%
HK$61,276
baseline
▲ 0.50% · 4.625%
HK$64,506
+HK$3,230/mo
Deposit HK$1.27M · loan HK$11.46M · min. income ≈ HK$122,552/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$477,442 · Scale 2, in force from 26 Feb 2026)