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$29,146
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$30,053
−HK$921/mo
Today · 4.125%
HK$30,974
baseline
▲ 0.50% · 4.625%
HK$32,858
+HK$1,884/mo
Deposit HK$6.39M · loan HK$6.39M · min. income ≈ HK$61,948/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$479,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,425
−HK$1,751/mo
▼ 0.25% · 3.875%
HK$33,294
−HK$882/mo
Today · 4.125%
HK$34,176
baseline
▲ 0.50% · 4.625%
HK$35,978
+HK$1,802/mo
Deposit HK$6.39M · loan HK$6.39M · min. income ≈ HK$68,352/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$479,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,975
−HK$2,193/mo
▼ 0.25% · 3.875%
HK$36,063
−HK$1,105/mo
Today · 4.125%
HK$37,168
baseline
▲ 0.50% · 4.625%
HK$39,430
+HK$2,262/mo
Deposit HK$5.11M · loan HK$7.67M · min. income ≈ HK$74,336/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$479,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,909
−HK$2,103/mo
▼ 0.25% · 3.875%
HK$39,953
−HK$1,059/mo
Today · 4.125%
HK$41,012
baseline
▲ 0.50% · 4.625%
HK$43,173
+HK$2,161/mo
Deposit HK$5.11M · loan HK$7.67M · min. income ≈ HK$82,024/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$479,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,804
−HK$2,559/mo
▼ 0.25% · 3.875%
HK$42,074
−HK$1,289/mo
Today · 4.125%
HK$43,363
baseline
▲ 0.50% · 4.625%
HK$46,002
+HK$2,639/mo
Deposit HK$3.83M · loan HK$8.95M · min. income ≈ HK$86,726/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$479,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,394
−HK$2,453/mo
▼ 0.25% · 3.875%
HK$46,612
−HK$1,235/mo
Today · 4.125%
HK$47,847
baseline
▲ 0.50% · 4.625%
HK$50,369
+HK$2,522/mo
Deposit HK$3.83M · loan HK$8.95M · min. income ≈ HK$95,694/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$479,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,463
−HK$3,290/mo
▼ 0.25% · 3.875%
HK$54,095
−HK$1,658/mo
Today · 4.125%
HK$55,753
baseline
▲ 0.50% · 4.625%
HK$59,145
+HK$3,392/mo
Deposit HK$1.28M · loan HK$11.50M · min. income ≈ HK$111,506/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$479,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,364
−HK$3,153/mo
▼ 0.25% · 3.875%
HK$59,929
−HK$1,588/mo
Today · 4.125%
HK$61,517
baseline
▲ 0.50% · 4.625%
HK$64,760
+HK$3,243/mo
Deposit HK$1.28M · loan HK$11.50M · min. income ≈ HK$123,034/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$479,320 · Scale 2, in force from 26 Feb 2026)