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$29,145
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$30,051
−HK$921/mo
Today · 4.125%
HK$30,972
baseline
▲ 0.50% · 4.625%
HK$32,857
+HK$1,885/mo
Deposit HK$6.39M · loan HK$6.39M · min. income ≈ HK$61,944/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$479,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,423
−HK$1,752/mo
▼ 0.25% · 3.875%
HK$33,293
−HK$882/mo
Today · 4.125%
HK$34,175
baseline
▲ 0.50% · 4.625%
HK$35,976
+HK$1,801/mo
Deposit HK$6.39M · loan HK$6.39M · min. income ≈ HK$68,350/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$479,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,974
−HK$2,193/mo
▼ 0.25% · 3.875%
HK$36,061
−HK$1,106/mo
Today · 4.125%
HK$37,167
baseline
▲ 0.50% · 4.625%
HK$39,428
+HK$2,261/mo
Deposit HK$5.11M · loan HK$7.67M · min. income ≈ HK$74,334/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$479,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,908
−HK$2,102/mo
▼ 0.25% · 3.875%
HK$39,951
−HK$1,059/mo
Today · 4.125%
HK$41,010
baseline
▲ 0.50% · 4.625%
HK$43,172
+HK$2,162/mo
Deposit HK$5.11M · loan HK$7.67M · min. income ≈ HK$82,020/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$479,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,803
−HK$2,558/mo
▼ 0.25% · 3.875%
HK$42,072
−HK$1,289/mo
Today · 4.125%
HK$43,361
baseline
▲ 0.50% · 4.625%
HK$46,000
+HK$2,639/mo
Deposit HK$3.83M · loan HK$8.95M · min. income ≈ HK$86,722/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$479,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,392
−HK$2,453/mo
▼ 0.25% · 3.875%
HK$46,610
−HK$1,235/mo
Today · 4.125%
HK$47,845
baseline
▲ 0.50% · 4.625%
HK$50,367
+HK$2,522/mo
Deposit HK$3.83M · loan HK$8.95M · min. income ≈ HK$95,690/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$479,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,460
−HK$3,290/mo
▼ 0.25% · 3.875%
HK$54,092
−HK$1,658/mo
Today · 4.125%
HK$55,750
baseline
▲ 0.50% · 4.625%
HK$59,142
+HK$3,392/mo
Deposit HK$1.28M · loan HK$11.50M · min. income ≈ HK$111,500/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$479,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,362
−HK$3,153/mo
▼ 0.25% · 3.875%
HK$59,927
−HK$1,588/mo
Today · 4.125%
HK$61,515
baseline
▲ 0.50% · 4.625%
HK$64,757
+HK$3,242/mo
Deposit HK$1.28M · loan HK$11.50M · min. income ≈ HK$123,030/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$479,299 · Scale 2, in force from 26 Feb 2026)