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$29,136
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$30,042
−HK$921/mo
Today · 4.125%
HK$30,963
baseline
▲ 0.50% · 4.625%
HK$32,847
+HK$1,884/mo
Deposit HK$6.39M · loan HK$6.39M · min. income ≈ HK$61,926/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$479,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,414
−HK$1,751/mo
▼ 0.25% · 3.875%
HK$33,283
−HK$882/mo
Today · 4.125%
HK$34,165
baseline
▲ 0.50% · 4.625%
HK$35,966
+HK$1,801/mo
Deposit HK$6.39M · loan HK$6.39M · min. income ≈ HK$68,330/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$479,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,963
−HK$2,193/mo
▼ 0.25% · 3.875%
HK$36,051
−HK$1,105/mo
Today · 4.125%
HK$37,156
baseline
▲ 0.50% · 4.625%
HK$39,417
+HK$2,261/mo
Deposit HK$5.11M · loan HK$7.67M · min. income ≈ HK$74,312/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$479,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,896
−HK$2,102/mo
▼ 0.25% · 3.875%
HK$39,940
−HK$1,058/mo
Today · 4.125%
HK$40,998
baseline
▲ 0.50% · 4.625%
HK$43,159
+HK$2,161/mo
Deposit HK$5.11M · loan HK$7.67M · min. income ≈ HK$81,996/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$479,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,791
−HK$2,558/mo
▼ 0.25% · 3.875%
HK$42,059
−HK$1,290/mo
Today · 4.125%
HK$43,349
baseline
▲ 0.50% · 4.625%
HK$45,986
+HK$2,637/mo
Deposit HK$3.83M · loan HK$8.94M · min. income ≈ HK$86,698/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$479,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,379
−HK$2,452/mo
▼ 0.25% · 3.875%
HK$46,596
−HK$1,235/mo
Today · 4.125%
HK$47,831
baseline
▲ 0.50% · 4.625%
HK$50,352
+HK$2,521/mo
Deposit HK$3.83M · loan HK$8.94M · min. income ≈ HK$95,662/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$479,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,445
−HK$3,289/mo
▼ 0.25% · 3.875%
HK$54,076
−HK$1,658/mo
Today · 4.125%
HK$55,734
baseline
▲ 0.50% · 4.625%
HK$59,125
+HK$3,391/mo
Deposit HK$1.28M · loan HK$11.50M · min. income ≈ HK$111,468/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$479,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,345
−HK$3,152/mo
▼ 0.25% · 3.875%
HK$59,909
−HK$1,588/mo
Today · 4.125%
HK$61,497
baseline
▲ 0.50% · 4.625%
HK$64,738
+HK$3,241/mo
Deposit HK$1.28M · loan HK$11.50M · min. income ≈ HK$122,994/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$479,159 · Scale 2, in force from 26 Feb 2026)