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$29,133
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$30,039
−HK$921/mo
Today · 4.125%
HK$30,960
baseline
▲ 0.50% · 4.625%
HK$32,844
+HK$1,884/mo
Deposit HK$6.39M · loan HK$6.39M · min. income ≈ HK$61,920/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$479,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,410
−HK$1,751/mo
▼ 0.25% · 3.875%
HK$33,279
−HK$882/mo
Today · 4.125%
HK$34,161
baseline
▲ 0.50% · 4.625%
HK$35,962
+HK$1,801/mo
Deposit HK$6.39M · loan HK$6.39M · min. income ≈ HK$68,322/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$479,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,959
−HK$2,193/mo
▼ 0.25% · 3.875%
HK$36,047
−HK$1,105/mo
Today · 4.125%
HK$37,152
baseline
▲ 0.50% · 4.625%
HK$39,412
+HK$2,260/mo
Deposit HK$5.11M · loan HK$7.67M · min. income ≈ HK$74,304/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$479,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,892
−HK$2,101/mo
▼ 0.25% · 3.875%
HK$39,935
−HK$1,058/mo
Today · 4.125%
HK$40,993
baseline
▲ 0.50% · 4.625%
HK$43,154
+HK$2,161/mo
Deposit HK$5.11M · loan HK$7.67M · min. income ≈ HK$81,986/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$479,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,786
−HK$2,558/mo
▼ 0.25% · 3.875%
HK$42,055
−HK$1,289/mo
Today · 4.125%
HK$43,344
baseline
▲ 0.50% · 4.625%
HK$45,981
+HK$2,637/mo
Deposit HK$3.83M · loan HK$8.94M · min. income ≈ HK$86,688/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$479,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,374
−HK$2,452/mo
▼ 0.25% · 3.875%
HK$46,591
−HK$1,235/mo
Today · 4.125%
HK$47,826
baseline
▲ 0.50% · 4.625%
HK$50,346
+HK$2,520/mo
Deposit HK$3.83M · loan HK$8.94M · min. income ≈ HK$95,652/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$479,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,439
−HK$3,289/mo
▼ 0.25% · 3.875%
HK$54,070
−HK$1,658/mo
Today · 4.125%
HK$55,728
baseline
▲ 0.50% · 4.625%
HK$59,119
+HK$3,391/mo
Deposit HK$1.28M · loan HK$11.50M · min. income ≈ HK$111,456/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$479,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,338
−HK$3,152/mo
▼ 0.25% · 3.875%
HK$59,903
−HK$1,587/mo
Today · 4.125%
HK$61,490
baseline
▲ 0.50% · 4.625%
HK$64,731
+HK$3,241/mo
Deposit HK$1.28M · loan HK$11.50M · min. income ≈ HK$122,980/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$479,106 · Scale 2, in force from 26 Feb 2026)