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$29,061
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$29,965
−HK$919/mo
Today · 4.125%
HK$30,884
baseline
▲ 0.50% · 4.625%
HK$32,763
+HK$1,879/mo
Deposit HK$6.37M · loan HK$6.37M · min. income ≈ HK$61,768/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$477,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,331
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$33,198
−HK$879/mo
Today · 4.125%
HK$34,077
baseline
▲ 0.50% · 4.625%
HK$35,874
+HK$1,797/mo
Deposit HK$6.37M · loan HK$6.37M · min. income ≈ HK$68,154/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$477,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,874
−HK$2,187/mo
▼ 0.25% · 3.875%
HK$35,958
−HK$1,103/mo
Today · 4.125%
HK$37,061
baseline
▲ 0.50% · 4.625%
HK$39,316
+HK$2,255/mo
Deposit HK$5.10M · loan HK$7.65M · min. income ≈ HK$74,122/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$477,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,797
−HK$2,096/mo
▼ 0.25% · 3.875%
HK$39,837
−HK$1,056/mo
Today · 4.125%
HK$40,893
baseline
▲ 0.50% · 4.625%
HK$43,048
+HK$2,155/mo
Deposit HK$5.10M · loan HK$7.65M · min. income ≈ HK$81,786/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$477,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,686
−HK$2,551/mo
▼ 0.25% · 3.875%
HK$41,952
−HK$1,285/mo
Today · 4.125%
HK$43,237
baseline
▲ 0.50% · 4.625%
HK$45,868
+HK$2,631/mo
Deposit HK$3.82M · loan HK$8.92M · min. income ≈ HK$86,474/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$477,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,263
−HK$2,445/mo
▼ 0.25% · 3.875%
HK$46,477
−HK$1,231/mo
Today · 4.125%
HK$47,708
baseline
▲ 0.50% · 4.625%
HK$50,223
+HK$2,515/mo
Deposit HK$3.82M · loan HK$8.92M · min. income ≈ HK$95,416/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$477,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,311
−HK$3,280/mo
▼ 0.25% · 3.875%
HK$53,938
−HK$1,653/mo
Today · 4.125%
HK$55,591
baseline
▲ 0.50% · 4.625%
HK$58,973
+HK$3,382/mo
Deposit HK$1.27M · loan HK$11.47M · min. income ≈ HK$111,182/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$477,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,195
−HK$3,144/mo
▼ 0.25% · 3.875%
HK$59,756
−HK$1,583/mo
Today · 4.125%
HK$61,339
baseline
▲ 0.50% · 4.625%
HK$64,572
+HK$3,233/mo
Deposit HK$1.27M · loan HK$11.47M · min. income ≈ HK$122,678/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$477,931 · Scale 2, in force from 26 Feb 2026)