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$29,133
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$30,039
−HK$921/mo
Today · 4.125%
HK$30,960
baseline
▲ 0.50% · 4.625%
HK$32,844
+HK$1,884/mo
Deposit HK$6.39M · loan HK$6.39M · min. income ≈ HK$61,920/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$479,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,410
−HK$1,751/mo
▼ 0.25% · 3.875%
HK$33,280
−HK$881/mo
Today · 4.125%
HK$34,161
baseline
▲ 0.50% · 4.625%
HK$35,962
+HK$1,801/mo
Deposit HK$6.39M · loan HK$6.39M · min. income ≈ HK$68,322/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$479,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,960
−HK$2,192/mo
▼ 0.25% · 3.875%
HK$36,047
−HK$1,105/mo
Today · 4.125%
HK$37,152
baseline
▲ 0.50% · 4.625%
HK$39,413
+HK$2,261/mo
Deposit HK$5.11M · loan HK$7.67M · min. income ≈ HK$74,304/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$479,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,892
−HK$2,102/mo
▼ 0.25% · 3.875%
HK$39,936
−HK$1,058/mo
Today · 4.125%
HK$40,994
baseline
▲ 0.50% · 4.625%
HK$43,155
+HK$2,161/mo
Deposit HK$5.11M · loan HK$7.67M · min. income ≈ HK$81,988/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$479,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,786
−HK$2,558/mo
▼ 0.25% · 3.875%
HK$42,055
−HK$1,289/mo
Today · 4.125%
HK$43,344
baseline
▲ 0.50% · 4.625%
HK$45,982
+HK$2,638/mo
Deposit HK$3.83M · loan HK$8.94M · min. income ≈ HK$86,688/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$479,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,375
−HK$2,451/mo
▼ 0.25% · 3.875%
HK$46,591
−HK$1,235/mo
Today · 4.125%
HK$47,826
baseline
▲ 0.50% · 4.625%
HK$50,347
+HK$2,521/mo
Deposit HK$3.83M · loan HK$8.94M · min. income ≈ HK$95,652/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$479,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,440
−HK$3,288/mo
▼ 0.25% · 3.875%
HK$54,071
−HK$1,657/mo
Today · 4.125%
HK$55,728
baseline
▲ 0.50% · 4.625%
HK$59,119
+HK$3,391/mo
Deposit HK$1.28M · loan HK$11.50M · min. income ≈ HK$111,456/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$479,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,339
−HK$3,152/mo
▼ 0.25% · 3.875%
HK$59,903
−HK$1,588/mo
Today · 4.125%
HK$61,491
baseline
▲ 0.50% · 4.625%
HK$64,732
+HK$3,241/mo
Deposit HK$1.28M · loan HK$11.50M · min. income ≈ HK$122,982/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$479,111 · Scale 2, in force from 26 Feb 2026)