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$29,132
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$30,038
−HK$921/mo
Today · 4.125%
HK$30,959
baseline
▲ 0.50% · 4.625%
HK$32,843
+HK$1,884/mo
Deposit HK$6.39M · loan HK$6.39M · min. income ≈ HK$61,918/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$479,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,409
−HK$1,751/mo
▼ 0.25% · 3.875%
HK$33,278
−HK$882/mo
Today · 4.125%
HK$34,160
baseline
▲ 0.50% · 4.625%
HK$35,961
+HK$1,801/mo
Deposit HK$6.39M · loan HK$6.39M · min. income ≈ HK$68,320/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$479,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,959
−HK$2,192/mo
▼ 0.25% · 3.875%
HK$36,046
−HK$1,105/mo
Today · 4.125%
HK$37,151
baseline
▲ 0.50% · 4.625%
HK$39,411
+HK$2,260/mo
Deposit HK$5.11M · loan HK$7.67M · min. income ≈ HK$74,302/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$479,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,891
−HK$2,101/mo
▼ 0.25% · 3.875%
HK$39,934
−HK$1,058/mo
Today · 4.125%
HK$40,992
baseline
▲ 0.50% · 4.625%
HK$43,153
+HK$2,161/mo
Deposit HK$5.11M · loan HK$7.67M · min. income ≈ HK$81,984/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$479,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,785
−HK$2,558/mo
▼ 0.25% · 3.875%
HK$42,054
−HK$1,289/mo
Today · 4.125%
HK$43,343
baseline
▲ 0.50% · 4.625%
HK$45,980
+HK$2,637/mo
Deposit HK$3.83M · loan HK$8.94M · min. income ≈ HK$86,686/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$479,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,373
−HK$2,451/mo
▼ 0.25% · 3.875%
HK$46,590
−HK$1,234/mo
Today · 4.125%
HK$47,824
baseline
▲ 0.50% · 4.625%
HK$50,345
+HK$2,521/mo
Deposit HK$3.83M · loan HK$8.94M · min. income ≈ HK$95,648/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$479,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,438
−HK$3,288/mo
▼ 0.25% · 3.875%
HK$54,069
−HK$1,657/mo
Today · 4.125%
HK$55,726
baseline
▲ 0.50% · 4.625%
HK$59,117
+HK$3,391/mo
Deposit HK$1.28M · loan HK$11.50M · min. income ≈ HK$111,452/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$479,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,337
−HK$3,151/mo
▼ 0.25% · 3.875%
HK$59,901
−HK$1,587/mo
Today · 4.125%
HK$61,488
baseline
▲ 0.50% · 4.625%
HK$64,730
+HK$3,242/mo
Deposit HK$1.28M · loan HK$11.50M · min. income ≈ HK$122,976/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$479,095 · Scale 2, in force from 26 Feb 2026)