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$29,040
−HK$1,821/mo
▼ 0.25% · 3.875%
HK$29,943
−HK$918/mo
Today · 4.125%
HK$30,861
baseline
▲ 0.50% · 4.625%
HK$32,739
+HK$1,878/mo
Deposit HK$6.37M · loan HK$6.37M · min. income ≈ HK$61,722/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$477,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,307
−HK$1,745/mo
▼ 0.25% · 3.875%
HK$33,173
−HK$879/mo
Today · 4.125%
HK$34,052
baseline
▲ 0.50% · 4.625%
HK$35,847
+HK$1,795/mo
Deposit HK$6.37M · loan HK$6.37M · min. income ≈ HK$68,104/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$477,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,848
−HK$2,185/mo
▼ 0.25% · 3.875%
HK$35,932
−HK$1,101/mo
Today · 4.125%
HK$37,033
baseline
▲ 0.50% · 4.625%
HK$39,287
+HK$2,254/mo
Deposit HK$5.09M · loan HK$7.64M · min. income ≈ HK$74,066/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$477,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,768
−HK$2,094/mo
▼ 0.25% · 3.875%
HK$39,808
−HK$1,054/mo
Today · 4.125%
HK$40,862
baseline
▲ 0.50% · 4.625%
HK$43,016
+HK$2,154/mo
Deposit HK$5.09M · loan HK$7.64M · min. income ≈ HK$81,724/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$477,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,656
−HK$2,549/mo
▼ 0.25% · 3.875%
HK$41,921
−HK$1,284/mo
Today · 4.125%
HK$43,205
baseline
▲ 0.50% · 4.625%
HK$45,834
+HK$2,629/mo
Deposit HK$3.82M · loan HK$8.91M · min. income ≈ HK$86,410/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$477,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,229
−HK$2,444/mo
▼ 0.25% · 3.875%
HK$46,442
−HK$1,231/mo
Today · 4.125%
HK$47,673
baseline
▲ 0.50% · 4.625%
HK$50,186
+HK$2,513/mo
Deposit HK$3.82M · loan HK$8.91M · min. income ≈ HK$95,346/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$477,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,272
−HK$3,278/mo
▼ 0.25% · 3.875%
HK$53,898
−HK$1,652/mo
Today · 4.125%
HK$55,550
baseline
▲ 0.50% · 4.625%
HK$58,930
+HK$3,380/mo
Deposit HK$1.27M · loan HK$11.46M · min. income ≈ HK$111,100/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$477,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,152
−HK$3,142/mo
▼ 0.25% · 3.875%
HK$59,712
−HK$1,582/mo
Today · 4.125%
HK$61,294
baseline
▲ 0.50% · 4.625%
HK$64,525
+HK$3,231/mo
Deposit HK$1.27M · loan HK$11.46M · min. income ≈ HK$122,588/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$477,577 · Scale 2, in force from 26 Feb 2026)