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$29,002
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$29,904
−HK$917/mo
Today · 4.125%
HK$30,821
baseline
▲ 0.50% · 4.625%
HK$32,696
+HK$1,875/mo
Deposit HK$6.36M · loan HK$6.36M · min. income ≈ HK$61,642/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$476,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,264
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$33,130
−HK$878/mo
Today · 4.125%
HK$34,008
baseline
▲ 0.50% · 4.625%
HK$35,800
+HK$1,792/mo
Deposit HK$6.36M · loan HK$6.36M · min. income ≈ HK$68,016/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$476,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,802
−HK$2,183/mo
▼ 0.25% · 3.875%
HK$35,885
−HK$1,100/mo
Today · 4.125%
HK$36,985
baseline
▲ 0.50% · 4.625%
HK$39,235
+HK$2,250/mo
Deposit HK$5.09M · loan HK$7.63M · min. income ≈ HK$73,970/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$476,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,717
−HK$2,092/mo
▼ 0.25% · 3.875%
HK$39,756
−HK$1,053/mo
Today · 4.125%
HK$40,809
baseline
▲ 0.50% · 4.625%
HK$42,960
+HK$2,151/mo
Deposit HK$5.09M · loan HK$7.63M · min. income ≈ HK$81,618/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$476,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,603
−HK$2,546/mo
▼ 0.25% · 3.875%
HK$41,866
−HK$1,283/mo
Today · 4.125%
HK$43,149
baseline
▲ 0.50% · 4.625%
HK$45,774
+HK$2,625/mo
Deposit HK$3.82M · loan HK$8.90M · min. income ≈ HK$86,298/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$476,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,170
−HK$2,441/mo
▼ 0.25% · 3.875%
HK$46,382
−HK$1,229/mo
Today · 4.125%
HK$47,611
baseline
▲ 0.50% · 4.625%
HK$50,120
+HK$2,509/mo
Deposit HK$3.82M · loan HK$8.90M · min. income ≈ HK$95,222/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$476,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,204
−HK$3,273/mo
▼ 0.25% · 3.875%
HK$53,827
−HK$1,650/mo
Today · 4.125%
HK$55,477
baseline
▲ 0.50% · 4.625%
HK$58,853
+HK$3,376/mo
Deposit HK$1.27M · loan HK$11.45M · min. income ≈ HK$110,954/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$476,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,076
−HK$3,138/mo
▼ 0.25% · 3.875%
HK$59,634
−HK$1,580/mo
Today · 4.125%
HK$61,214
baseline
▲ 0.50% · 4.625%
HK$64,440
+HK$3,226/mo
Deposit HK$1.27M · loan HK$11.45M · min. income ≈ HK$122,428/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$476,953 · Scale 2, in force from 26 Feb 2026)