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$29,043
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$29,947
−HK$918/mo
Today · 4.125%
HK$30,865
baseline
▲ 0.50% · 4.625%
HK$32,743
+HK$1,878/mo
Deposit HK$6.37M · loan HK$6.37M · min. income ≈ HK$61,730/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$477,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,310
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$33,177
−HK$879/mo
Today · 4.125%
HK$34,056
baseline
▲ 0.50% · 4.625%
HK$35,851
+HK$1,795/mo
Deposit HK$6.37M · loan HK$6.37M · min. income ≈ HK$68,112/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$477,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,852
−HK$2,186/mo
▼ 0.25% · 3.875%
HK$35,936
−HK$1,102/mo
Today · 4.125%
HK$37,038
baseline
▲ 0.50% · 4.625%
HK$39,291
+HK$2,253/mo
Deposit HK$5.09M · loan HK$7.64M · min. income ≈ HK$74,076/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$477,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,773
−HK$2,094/mo
▼ 0.25% · 3.875%
HK$39,812
−HK$1,055/mo
Today · 4.125%
HK$40,867
baseline
▲ 0.50% · 4.625%
HK$43,021
+HK$2,154/mo
Deposit HK$5.09M · loan HK$7.64M · min. income ≈ HK$81,734/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$477,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,661
−HK$2,549/mo
▼ 0.25% · 3.875%
HK$41,925
−HK$1,285/mo
Today · 4.125%
HK$43,210
baseline
▲ 0.50% · 4.625%
HK$45,840
+HK$2,630/mo
Deposit HK$3.82M · loan HK$8.92M · min. income ≈ HK$86,420/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$477,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,235
−HK$2,443/mo
▼ 0.25% · 3.875%
HK$46,448
−HK$1,230/mo
Today · 4.125%
HK$47,678
baseline
▲ 0.50% · 4.625%
HK$50,192
+HK$2,514/mo
Deposit HK$3.82M · loan HK$8.92M · min. income ≈ HK$95,356/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$477,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,278
−HK$3,278/mo
▼ 0.25% · 3.875%
HK$53,904
−HK$1,652/mo
Today · 4.125%
HK$55,556
baseline
▲ 0.50% · 4.625%
HK$58,937
+HK$3,381/mo
Deposit HK$1.27M · loan HK$11.46M · min. income ≈ HK$111,112/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$477,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,159
−HK$3,142/mo
▼ 0.25% · 3.875%
HK$59,719
−HK$1,582/mo
Today · 4.125%
HK$61,301
baseline
▲ 0.50% · 4.625%
HK$64,532
+HK$3,231/mo
Deposit HK$1.27M · loan HK$11.46M · min. income ≈ HK$122,602/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$477,633 · Scale 2, in force from 26 Feb 2026)