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$1,829/mo
▼ 0.25% · 3.875%
HK$30,066
−HK$922/mo
Today · 4.125%
HK$30,988
baseline
▲ 0.50% · 4.625%
HK$32,873
+HK$1,885/mo
Deposit HK$6.39M · loan HK$6.39M · min. income ≈ HK$61,976/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$479,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,439
−HK$1,753/mo
▼ 0.25% · 3.875%
HK$33,309
−HK$883/mo
Today · 4.125%
HK$34,192
baseline
▲ 0.50% · 4.625%
HK$35,994
+HK$1,802/mo
Deposit HK$6.39M · loan HK$6.39M · min. income ≈ HK$68,384/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$479,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,991
−HK$2,194/mo
▼ 0.25% · 3.875%
HK$36,080
−HK$1,105/mo
Today · 4.125%
HK$37,185
baseline
▲ 0.50% · 4.625%
HK$39,448
+HK$2,263/mo
Deposit HK$5.12M · loan HK$7.67M · min. income ≈ HK$74,370/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$479,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,927
−HK$2,104/mo
▼ 0.25% · 3.875%
HK$39,971
−HK$1,060/mo
Today · 4.125%
HK$41,031
baseline
▲ 0.50% · 4.625%
HK$43,193
+HK$2,162/mo
Deposit HK$5.12M · loan HK$7.67M · min. income ≈ HK$82,062/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$479,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,823
−HK$2,560/mo
▼ 0.25% · 3.875%
HK$42,093
−HK$1,290/mo
Today · 4.125%
HK$43,383
baseline
▲ 0.50% · 4.625%
HK$46,023
+HK$2,640/mo
Deposit HK$3.84M · loan HK$8.95M · min. income ≈ HK$86,766/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$479,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,415
−HK$2,454/mo
▼ 0.25% · 3.875%
HK$46,633
−HK$1,236/mo
Today · 4.125%
HK$47,869
baseline
▲ 0.50% · 4.625%
HK$50,392
+HK$2,523/mo
Deposit HK$3.84M · loan HK$8.95M · min. income ≈ HK$95,738/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$479,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,487
−HK$3,291/mo
▼ 0.25% · 3.875%
HK$54,119
−HK$1,659/mo
Today · 4.125%
HK$55,778
baseline
▲ 0.50% · 4.625%
HK$59,172
+HK$3,394/mo
Deposit HK$1.28M · loan HK$11.51M · min. income ≈ HK$111,556/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$479,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,391
−HK$3,155/mo
▼ 0.25% · 3.875%
HK$59,957
−HK$1,589/mo
Today · 4.125%
HK$61,546
baseline
▲ 0.50% · 4.625%
HK$64,790
+HK$3,244/mo
Deposit HK$1.28M · loan HK$11.51M · min. income ≈ HK$123,092/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$479,541 · Scale 2, in force from 26 Feb 2026)