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$29,036
−HK$1,820/mo
▼ 0.25% · 3.875%
HK$29,939
−HK$917/mo
Today · 4.125%
HK$30,856
baseline
▲ 0.50% · 4.625%
HK$32,734
+HK$1,878/mo
Deposit HK$6.37M · loan HK$6.37M · min. income ≈ HK$61,712/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$477,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,302
−HK$1,745/mo
▼ 0.25% · 3.875%
HK$33,168
−HK$879/mo
Today · 4.125%
HK$34,047
baseline
▲ 0.50% · 4.625%
HK$35,842
+HK$1,795/mo
Deposit HK$6.37M · loan HK$6.37M · min. income ≈ HK$68,094/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$477,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,843
−HK$2,185/mo
▼ 0.25% · 3.875%
HK$35,926
−HK$1,102/mo
Today · 4.125%
HK$37,028
baseline
▲ 0.50% · 4.625%
HK$39,281
+HK$2,253/mo
Deposit HK$5.09M · loan HK$7.64M · min. income ≈ HK$74,056/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$477,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,762
−HK$2,094/mo
▼ 0.25% · 3.875%
HK$39,802
−HK$1,054/mo
Today · 4.125%
HK$40,856
baseline
▲ 0.50% · 4.625%
HK$43,010
+HK$2,154/mo
Deposit HK$5.09M · loan HK$7.64M · min. income ≈ HK$81,712/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$477,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,650
−HK$2,549/mo
▼ 0.25% · 3.875%
HK$41,914
−HK$1,285/mo
Today · 4.125%
HK$43,199
baseline
▲ 0.50% · 4.625%
HK$45,827
+HK$2,628/mo
Deposit HK$3.82M · loan HK$8.91M · min. income ≈ HK$86,398/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$477,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,222
−HK$2,444/mo
▼ 0.25% · 3.875%
HK$46,435
−HK$1,231/mo
Today · 4.125%
HK$47,666
baseline
▲ 0.50% · 4.625%
HK$50,178
+HK$2,512/mo
Deposit HK$3.82M · loan HK$8.91M · min. income ≈ HK$95,332/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$477,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,264
−HK$3,277/mo
▼ 0.25% · 3.875%
HK$53,890
−HK$1,651/mo
Today · 4.125%
HK$55,541
baseline
▲ 0.50% · 4.625%
HK$58,921
+HK$3,380/mo
Deposit HK$1.27M · loan HK$11.46M · min. income ≈ HK$111,082/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$477,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,143
−HK$3,141/mo
▼ 0.25% · 3.875%
HK$59,703
−HK$1,581/mo
Today · 4.125%
HK$61,284
baseline
▲ 0.50% · 4.625%
HK$64,515
+HK$3,231/mo
Deposit HK$1.27M · loan HK$11.46M · min. income ≈ HK$122,568/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$477,505 · Scale 2, in force from 26 Feb 2026)