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$29,151
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$30,058
−HK$921/mo
Today · 4.125%
HK$30,979
baseline
▲ 0.50% · 4.625%
HK$32,864
+HK$1,885/mo
Deposit HK$6.39M · loan HK$6.39M · min. income ≈ HK$61,958/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$479,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,430
−HK$1,752/mo
▼ 0.25% · 3.875%
HK$33,300
−HK$882/mo
Today · 4.125%
HK$34,182
baseline
▲ 0.50% · 4.625%
HK$35,984
+HK$1,802/mo
Deposit HK$6.39M · loan HK$6.39M · min. income ≈ HK$68,364/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$479,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,981
−HK$2,194/mo
▼ 0.25% · 3.875%
HK$36,069
−HK$1,106/mo
Today · 4.125%
HK$37,175
baseline
▲ 0.50% · 4.625%
HK$39,437
+HK$2,262/mo
Deposit HK$5.11M · loan HK$7.67M · min. income ≈ HK$74,350/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$479,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,916
−HK$2,103/mo
▼ 0.25% · 3.875%
HK$39,960
−HK$1,059/mo
Today · 4.125%
HK$41,019
baseline
▲ 0.50% · 4.625%
HK$43,181
+HK$2,162/mo
Deposit HK$5.11M · loan HK$7.67M · min. income ≈ HK$82,038/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$479,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,811
−HK$2,560/mo
▼ 0.25% · 3.875%
HK$42,081
−HK$1,290/mo
Today · 4.125%
HK$43,371
baseline
▲ 0.50% · 4.625%
HK$46,010
+HK$2,639/mo
Deposit HK$3.84M · loan HK$8.95M · min. income ≈ HK$86,742/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$479,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,402
−HK$2,453/mo
▼ 0.25% · 3.875%
HK$46,620
−HK$1,235/mo
Today · 4.125%
HK$47,855
baseline
▲ 0.50% · 4.625%
HK$50,378
+HK$2,523/mo
Deposit HK$3.84M · loan HK$8.95M · min. income ≈ HK$95,710/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$479,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,472
−HK$3,290/mo
▼ 0.25% · 3.875%
HK$54,104
−HK$1,658/mo
Today · 4.125%
HK$55,762
baseline
▲ 0.50% · 4.625%
HK$59,155
+HK$3,393/mo
Deposit HK$1.28M · loan HK$11.51M · min. income ≈ HK$111,524/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$479,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,374
−HK$3,154/mo
▼ 0.25% · 3.875%
HK$59,940
−HK$1,588/mo
Today · 4.125%
HK$61,528
baseline
▲ 0.50% · 4.625%
HK$64,771
+HK$3,243/mo
Deposit HK$1.28M · loan HK$11.51M · min. income ≈ HK$123,056/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$479,404 · Scale 2, in force from 26 Feb 2026)