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$29,006
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$29,908
−HK$917/mo
Today · 4.125%
HK$30,825
baseline
▲ 0.50% · 4.625%
HK$32,701
+HK$1,876/mo
Deposit HK$6.36M · loan HK$6.36M · min. income ≈ HK$61,650/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$477,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,269
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$33,134
−HK$878/mo
Today · 4.125%
HK$34,012
baseline
▲ 0.50% · 4.625%
HK$35,805
+HK$1,793/mo
Deposit HK$6.36M · loan HK$6.36M · min. income ≈ HK$68,024/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$477,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,807
−HK$2,183/mo
▼ 0.25% · 3.875%
HK$35,890
−HK$1,100/mo
Today · 4.125%
HK$36,990
baseline
▲ 0.50% · 4.625%
HK$39,241
+HK$2,251/mo
Deposit HK$5.09M · loan HK$7.63M · min. income ≈ HK$73,980/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$477,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,723
−HK$2,092/mo
▼ 0.25% · 3.875%
HK$39,761
−HK$1,054/mo
Today · 4.125%
HK$40,815
baseline
▲ 0.50% · 4.625%
HK$42,966
+HK$2,151/mo
Deposit HK$5.09M · loan HK$7.63M · min. income ≈ HK$81,630/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$477,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,608
−HK$2,547/mo
▼ 0.25% · 3.875%
HK$41,871
−HK$1,284/mo
Today · 4.125%
HK$43,155
baseline
▲ 0.50% · 4.625%
HK$45,781
+HK$2,626/mo
Deposit HK$3.82M · loan HK$8.90M · min. income ≈ HK$86,310/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$477,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,176
−HK$2,441/mo
▼ 0.25% · 3.875%
HK$46,388
−HK$1,229/mo
Today · 4.125%
HK$47,617
baseline
▲ 0.50% · 4.625%
HK$50,127
+HK$2,510/mo
Deposit HK$3.82M · loan HK$8.90M · min. income ≈ HK$95,234/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$477,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,211
−HK$3,274/mo
▼ 0.25% · 3.875%
HK$53,835
−HK$1,650/mo
Today · 4.125%
HK$55,485
baseline
▲ 0.50% · 4.625%
HK$58,861
+HK$3,376/mo
Deposit HK$1.27M · loan HK$11.45M · min. income ≈ HK$110,970/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$477,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,084
−HK$3,138/mo
▼ 0.25% · 3.875%
HK$59,642
−HK$1,580/mo
Today · 4.125%
HK$61,222
baseline
▲ 0.50% · 4.625%
HK$64,449
+HK$3,227/mo
Deposit HK$1.27M · loan HK$11.45M · min. income ≈ HK$122,444/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$477,019 · Scale 2, in force from 26 Feb 2026)