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$29,020
−HK$1,820/mo
▼ 0.25% · 3.875%
HK$29,923
−HK$917/mo
Today · 4.125%
HK$30,840
baseline
▲ 0.50% · 4.625%
HK$32,717
+HK$1,877/mo
Deposit HK$6.36M · loan HK$6.36M · min. income ≈ HK$61,680/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$477,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,285
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$33,151
−HK$878/mo
Today · 4.125%
HK$34,029
baseline
▲ 0.50% · 4.625%
HK$35,823
+HK$1,794/mo
Deposit HK$6.36M · loan HK$6.36M · min. income ≈ HK$68,058/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$477,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,824
−HK$2,184/mo
▼ 0.25% · 3.875%
HK$35,907
−HK$1,101/mo
Today · 4.125%
HK$37,008
baseline
▲ 0.50% · 4.625%
HK$39,260
+HK$2,252/mo
Deposit HK$5.09M · loan HK$7.64M · min. income ≈ HK$74,016/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$477,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,742
−HK$2,093/mo
▼ 0.25% · 3.875%
HK$39,781
−HK$1,054/mo
Today · 4.125%
HK$40,835
baseline
▲ 0.50% · 4.625%
HK$42,987
+HK$2,152/mo
Deposit HK$5.09M · loan HK$7.64M · min. income ≈ HK$81,670/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$477,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,628
−HK$2,548/mo
▼ 0.25% · 3.875%
HK$41,892
−HK$1,284/mo
Today · 4.125%
HK$43,176
baseline
▲ 0.50% · 4.625%
HK$45,803
+HK$2,627/mo
Deposit HK$3.82M · loan HK$8.91M · min. income ≈ HK$86,352/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$477,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,199
−HK$2,442/mo
▼ 0.25% · 3.875%
HK$46,411
−HK$1,230/mo
Today · 4.125%
HK$47,641
baseline
▲ 0.50% · 4.625%
HK$50,152
+HK$2,511/mo
Deposit HK$3.82M · loan HK$8.91M · min. income ≈ HK$95,282/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$477,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,236
−HK$3,276/mo
▼ 0.25% · 3.875%
HK$53,861
−HK$1,651/mo
Today · 4.125%
HK$55,512
baseline
▲ 0.50% · 4.625%
HK$58,890
+HK$3,378/mo
Deposit HK$1.27M · loan HK$11.45M · min. income ≈ HK$111,024/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$477,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,112
−HK$3,140/mo
▼ 0.25% · 3.875%
HK$59,671
−HK$1,581/mo
Today · 4.125%
HK$61,252
baseline
▲ 0.50% · 4.625%
HK$64,481
+HK$3,229/mo
Deposit HK$1.27M · loan HK$11.45M · min. income ≈ HK$122,504/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$477,253 · Scale 2, in force from 26 Feb 2026)