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$29,004
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$29,906
−HK$917/mo
Today · 4.125%
HK$30,823
baseline
▲ 0.50% · 4.625%
HK$32,698
+HK$1,875/mo
Deposit HK$6.36M · loan HK$6.36M · min. income ≈ HK$61,646/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$476,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,266
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$33,132
−HK$878/mo
Today · 4.125%
HK$34,010
baseline
▲ 0.50% · 4.625%
HK$35,802
+HK$1,792/mo
Deposit HK$6.36M · loan HK$6.36M · min. income ≈ HK$68,020/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$476,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,804
−HK$2,183/mo
▼ 0.25% · 3.875%
HK$35,887
−HK$1,100/mo
Today · 4.125%
HK$36,987
baseline
▲ 0.50% · 4.625%
HK$39,238
+HK$2,251/mo
Deposit HK$5.09M · loan HK$7.63M · min. income ≈ HK$73,974/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$476,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,720
−HK$2,092/mo
▼ 0.25% · 3.875%
HK$39,758
−HK$1,054/mo
Today · 4.125%
HK$40,812
baseline
▲ 0.50% · 4.625%
HK$42,963
+HK$2,151/mo
Deposit HK$5.09M · loan HK$7.63M · min. income ≈ HK$81,624/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$476,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,605
−HK$2,547/mo
▼ 0.25% · 3.875%
HK$41,868
−HK$1,284/mo
Today · 4.125%
HK$43,152
baseline
▲ 0.50% · 4.625%
HK$45,777
+HK$2,625/mo
Deposit HK$3.82M · loan HK$8.90M · min. income ≈ HK$86,304/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$476,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,173
−HK$2,440/mo
▼ 0.25% · 3.875%
HK$46,384
−HK$1,229/mo
Today · 4.125%
HK$47,613
baseline
▲ 0.50% · 4.625%
HK$50,123
+HK$2,510/mo
Deposit HK$3.82M · loan HK$8.90M · min. income ≈ HK$95,226/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$476,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,207
−HK$3,274/mo
▼ 0.25% · 3.875%
HK$53,831
−HK$1,650/mo
Today · 4.125%
HK$55,481
baseline
▲ 0.50% · 4.625%
HK$58,856
+HK$3,375/mo
Deposit HK$1.27M · loan HK$11.45M · min. income ≈ HK$110,962/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$476,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,079
−HK$3,138/mo
▼ 0.25% · 3.875%
HK$59,637
−HK$1,580/mo
Today · 4.125%
HK$61,217
baseline
▲ 0.50% · 4.625%
HK$64,444
+HK$3,227/mo
Deposit HK$1.27M · loan HK$11.45M · min. income ≈ HK$122,434/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$476,982 · Scale 2, in force from 26 Feb 2026)