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$29,060
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$29,964
−HK$918/mo
Today · 4.125%
HK$30,882
baseline
▲ 0.50% · 4.625%
HK$32,761
+HK$1,879/mo
Deposit HK$6.37M · loan HK$6.37M · min. income ≈ HK$61,764/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$477,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,329
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$33,196
−HK$879/mo
Today · 4.125%
HK$34,075
baseline
▲ 0.50% · 4.625%
HK$35,872
+HK$1,797/mo
Deposit HK$6.37M · loan HK$6.37M · min. income ≈ HK$68,150/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$477,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,872
−HK$2,187/mo
▼ 0.25% · 3.875%
HK$35,957
−HK$1,102/mo
Today · 4.125%
HK$37,059
baseline
▲ 0.50% · 4.625%
HK$39,314
+HK$2,255/mo
Deposit HK$5.10M · loan HK$7.65M · min. income ≈ HK$74,118/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$477,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,795
−HK$2,096/mo
▼ 0.25% · 3.875%
HK$39,835
−HK$1,056/mo
Today · 4.125%
HK$40,891
baseline
▲ 0.50% · 4.625%
HK$43,046
+HK$2,155/mo
Deposit HK$5.10M · loan HK$7.65M · min. income ≈ HK$81,782/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$477,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,684
−HK$2,551/mo
▼ 0.25% · 3.875%
HK$41,949
−HK$1,286/mo
Today · 4.125%
HK$43,235
baseline
▲ 0.50% · 4.625%
HK$45,866
+HK$2,631/mo
Deposit HK$3.82M · loan HK$8.92M · min. income ≈ HK$86,470/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$477,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,260
−HK$2,446/mo
▼ 0.25% · 3.875%
HK$46,474
−HK$1,232/mo
Today · 4.125%
HK$47,706
baseline
▲ 0.50% · 4.625%
HK$50,220
+HK$2,514/mo
Deposit HK$3.82M · loan HK$8.92M · min. income ≈ HK$95,412/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$477,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,308
−HK$3,280/mo
▼ 0.25% · 3.875%
HK$53,935
−HK$1,653/mo
Today · 4.125%
HK$55,588
baseline
▲ 0.50% · 4.625%
HK$58,970
+HK$3,382/mo
Deposit HK$1.27M · loan HK$11.47M · min. income ≈ HK$111,176/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$477,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,192
−HK$3,144/mo
▼ 0.25% · 3.875%
HK$59,753
−HK$1,583/mo
Today · 4.125%
HK$61,336
baseline
▲ 0.50% · 4.625%
HK$64,569
+HK$3,233/mo
Deposit HK$1.27M · loan HK$11.47M · min. income ≈ HK$122,672/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$477,906 · Scale 2, in force from 26 Feb 2026)