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$29,159
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$30,066
−HK$921/mo
Today · 4.125%
HK$30,987
baseline
▲ 0.50% · 4.625%
HK$32,873
+HK$1,886/mo
Deposit HK$6.39M · loan HK$6.39M · min. income ≈ HK$61,974/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$479,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,439
−HK$1,752/mo
▼ 0.25% · 3.875%
HK$33,309
−HK$882/mo
Today · 4.125%
HK$34,191
baseline
▲ 0.50% · 4.625%
HK$35,994
+HK$1,803/mo
Deposit HK$6.39M · loan HK$6.39M · min. income ≈ HK$68,382/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$479,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,990
−HK$2,195/mo
▼ 0.25% · 3.875%
HK$36,079
−HK$1,106/mo
Today · 4.125%
HK$37,185
baseline
▲ 0.50% · 4.625%
HK$39,447
+HK$2,262/mo
Deposit HK$5.11M · loan HK$7.67M · min. income ≈ HK$74,370/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$479,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,927
−HK$2,103/mo
▼ 0.25% · 3.875%
HK$39,971
−HK$1,059/mo
Today · 4.125%
HK$41,030
baseline
▲ 0.50% · 4.625%
HK$43,192
+HK$2,162/mo
Deposit HK$5.11M · loan HK$7.67M · min. income ≈ HK$82,060/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$479,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,822
−HK$2,560/mo
▼ 0.25% · 3.875%
HK$42,092
−HK$1,290/mo
Today · 4.125%
HK$43,382
baseline
▲ 0.50% · 4.625%
HK$46,022
+HK$2,640/mo
Deposit HK$3.84M · loan HK$8.95M · min. income ≈ HK$86,764/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$479,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,414
−HK$2,454/mo
▼ 0.25% · 3.875%
HK$46,632
−HK$1,236/mo
Today · 4.125%
HK$47,868
baseline
▲ 0.50% · 4.625%
HK$50,391
+HK$2,523/mo
Deposit HK$3.84M · loan HK$8.95M · min. income ≈ HK$95,736/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$479,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,486
−HK$3,291/mo
▼ 0.25% · 3.875%
HK$54,118
−HK$1,659/mo
Today · 4.125%
HK$55,777
baseline
▲ 0.50% · 4.625%
HK$59,171
+HK$3,394/mo
Deposit HK$1.28M · loan HK$11.51M · min. income ≈ HK$111,554/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$479,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,390
−HK$3,154/mo
▼ 0.25% · 3.875%
HK$59,956
−HK$1,588/mo
Today · 4.125%
HK$61,544
baseline
▲ 0.50% · 4.625%
HK$64,789
+HK$3,245/mo
Deposit HK$1.28M · loan HK$11.51M · min. income ≈ HK$123,088/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$479,531 · Scale 2, in force from 26 Feb 2026)