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$29,018
−HK$1,820/mo
▼ 0.25% · 3.875%
HK$29,921
−HK$917/mo
Today · 4.125%
HK$30,838
baseline
▲ 0.50% · 4.625%
HK$32,714
+HK$1,876/mo
Deposit HK$6.36M · loan HK$6.36M · min. income ≈ HK$61,676/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$477,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,282
−HK$1,745/mo
▼ 0.25% · 3.875%
HK$33,148
−HK$879/mo
Today · 4.125%
HK$34,027
baseline
▲ 0.50% · 4.625%
HK$35,820
+HK$1,793/mo
Deposit HK$6.36M · loan HK$6.36M · min. income ≈ HK$68,054/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$477,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,822
−HK$2,183/mo
▼ 0.25% · 3.875%
HK$35,905
−HK$1,100/mo
Today · 4.125%
HK$37,005
baseline
▲ 0.50% · 4.625%
HK$39,257
+HK$2,252/mo
Deposit HK$5.09M · loan HK$7.64M · min. income ≈ HK$74,010/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$477,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,739
−HK$2,093/mo
▼ 0.25% · 3.875%
HK$39,778
−HK$1,054/mo
Today · 4.125%
HK$40,832
baseline
▲ 0.50% · 4.625%
HK$42,984
+HK$2,152/mo
Deposit HK$5.09M · loan HK$7.64M · min. income ≈ HK$81,664/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$477,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,626
−HK$2,547/mo
▼ 0.25% · 3.875%
HK$41,889
−HK$1,284/mo
Today · 4.125%
HK$43,173
baseline
▲ 0.50% · 4.625%
HK$45,800
+HK$2,627/mo
Deposit HK$3.82M · loan HK$8.91M · min. income ≈ HK$86,346/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$477,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,195
−HK$2,442/mo
▼ 0.25% · 3.875%
HK$46,408
−HK$1,229/mo
Today · 4.125%
HK$47,637
baseline
▲ 0.50% · 4.625%
HK$50,148
+HK$2,511/mo
Deposit HK$3.82M · loan HK$8.91M · min. income ≈ HK$95,274/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$477,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,233
−HK$3,275/mo
▼ 0.25% · 3.875%
HK$53,858
−HK$1,650/mo
Today · 4.125%
HK$55,508
baseline
▲ 0.50% · 4.625%
HK$58,886
+HK$3,378/mo
Deposit HK$1.27M · loan HK$11.45M · min. income ≈ HK$111,016/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$477,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,108
−HK$3,140/mo
▼ 0.25% · 3.875%
HK$59,667
−HK$1,581/mo
Today · 4.125%
HK$61,248
baseline
▲ 0.50% · 4.625%
HK$64,476
+HK$3,228/mo
Deposit HK$1.27M · loan HK$11.45M · min. income ≈ HK$122,496/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$477,220 · Scale 2, in force from 26 Feb 2026)