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$29,052
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$29,956
−HK$918/mo
Today · 4.125%
HK$30,874
baseline
▲ 0.50% · 4.625%
HK$32,752
+HK$1,878/mo
Deposit HK$6.37M · loan HK$6.37M · min. income ≈ HK$61,748/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$477,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,320
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$33,187
−HK$879/mo
Today · 4.125%
HK$34,066
baseline
▲ 0.50% · 4.625%
HK$35,862
+HK$1,796/mo
Deposit HK$6.37M · loan HK$6.37M · min. income ≈ HK$68,132/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$477,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,862
−HK$2,187/mo
▼ 0.25% · 3.875%
HK$35,947
−HK$1,102/mo
Today · 4.125%
HK$37,049
baseline
▲ 0.50% · 4.625%
HK$39,303
+HK$2,254/mo
Deposit HK$5.10M · loan HK$7.64M · min. income ≈ HK$74,098/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$477,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,784
−HK$2,095/mo
▼ 0.25% · 3.875%
HK$39,824
−HK$1,055/mo
Today · 4.125%
HK$40,879
baseline
▲ 0.50% · 4.625%
HK$43,034
+HK$2,155/mo
Deposit HK$5.10M · loan HK$7.64M · min. income ≈ HK$81,758/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$477,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,673
−HK$2,550/mo
▼ 0.25% · 3.875%
HK$41,938
−HK$1,285/mo
Today · 4.125%
HK$43,223
baseline
▲ 0.50% · 4.625%
HK$45,853
+HK$2,630/mo
Deposit HK$3.82M · loan HK$8.92M · min. income ≈ HK$86,446/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$477,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,248
−HK$2,445/mo
▼ 0.25% · 3.875%
HK$46,462
−HK$1,231/mo
Today · 4.125%
HK$47,693
baseline
▲ 0.50% · 4.625%
HK$50,207
+HK$2,514/mo
Deposit HK$3.82M · loan HK$8.92M · min. income ≈ HK$95,386/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$477,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,294
−HK$3,279/mo
▼ 0.25% · 3.875%
HK$53,920
−HK$1,653/mo
Today · 4.125%
HK$55,573
baseline
▲ 0.50% · 4.625%
HK$58,954
+HK$3,381/mo
Deposit HK$1.27M · loan HK$11.47M · min. income ≈ HK$111,146/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$477,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,176
−HK$3,143/mo
▼ 0.25% · 3.875%
HK$59,736
−HK$1,583/mo
Today · 4.125%
HK$61,319
baseline
▲ 0.50% · 4.625%
HK$64,551
+HK$3,232/mo
Deposit HK$1.27M · loan HK$11.47M · min. income ≈ HK$122,638/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$477,775 · Scale 2, in force from 26 Feb 2026)