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$29,061
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$29,965
−HK$919/mo
Today · 4.125%
HK$30,884
baseline
▲ 0.50% · 4.625%
HK$32,763
+HK$1,879/mo
Deposit HK$6.37M · loan HK$6.37M · min. income ≈ HK$61,768/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$477,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,330
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$33,197
−HK$880/mo
Today · 4.125%
HK$34,077
baseline
▲ 0.50% · 4.625%
HK$35,873
+HK$1,796/mo
Deposit HK$6.37M · loan HK$6.37M · min. income ≈ HK$68,154/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$477,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,873
−HK$2,187/mo
▼ 0.25% · 3.875%
HK$35,958
−HK$1,102/mo
Today · 4.125%
HK$37,060
baseline
▲ 0.50% · 4.625%
HK$39,315
+HK$2,255/mo
Deposit HK$5.10M · loan HK$7.65M · min. income ≈ HK$74,120/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$477,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,796
−HK$2,096/mo
▼ 0.25% · 3.875%
HK$39,837
−HK$1,055/mo
Today · 4.125%
HK$40,892
baseline
▲ 0.50% · 4.625%
HK$43,048
+HK$2,156/mo
Deposit HK$5.10M · loan HK$7.65M · min. income ≈ HK$81,784/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$477,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,686
−HK$2,551/mo
▼ 0.25% · 3.875%
HK$41,951
−HK$1,286/mo
Today · 4.125%
HK$43,237
baseline
▲ 0.50% · 4.625%
HK$45,868
+HK$2,631/mo
Deposit HK$3.82M · loan HK$8.92M · min. income ≈ HK$86,474/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$477,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,262
−HK$2,446/mo
▼ 0.25% · 3.875%
HK$46,476
−HK$1,232/mo
Today · 4.125%
HK$47,708
baseline
▲ 0.50% · 4.625%
HK$50,223
+HK$2,515/mo
Deposit HK$3.82M · loan HK$8.92M · min. income ≈ HK$95,416/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$477,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,310
−HK$3,281/mo
▼ 0.25% · 3.875%
HK$53,937
−HK$1,654/mo
Today · 4.125%
HK$55,591
baseline
▲ 0.50% · 4.625%
HK$58,973
+HK$3,382/mo
Deposit HK$1.27M · loan HK$11.47M · min. income ≈ HK$111,182/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$477,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,195
−HK$3,144/mo
▼ 0.25% · 3.875%
HK$59,755
−HK$1,584/mo
Today · 4.125%
HK$61,339
baseline
▲ 0.50% · 4.625%
HK$64,572
+HK$3,233/mo
Deposit HK$1.27M · loan HK$11.47M · min. income ≈ HK$122,678/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$477,927 · Scale 2, in force from 26 Feb 2026)