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$29,023
−HK$1,820/mo
▼ 0.25% · 3.875%
HK$29,926
−HK$917/mo
Today · 4.125%
HK$30,843
baseline
▲ 0.50% · 4.625%
HK$32,720
+HK$1,877/mo
Deposit HK$6.36M · loan HK$6.36M · min. income ≈ HK$61,686/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$477,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,288
−HK$1,745/mo
▼ 0.25% · 3.875%
HK$33,154
−HK$879/mo
Today · 4.125%
HK$34,033
baseline
▲ 0.50% · 4.625%
HK$35,827
+HK$1,794/mo
Deposit HK$6.36M · loan HK$6.36M · min. income ≈ HK$68,066/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$477,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,828
−HK$2,184/mo
▼ 0.25% · 3.875%
HK$35,911
−HK$1,101/mo
Today · 4.125%
HK$37,012
baseline
▲ 0.50% · 4.625%
HK$39,264
+HK$2,252/mo
Deposit HK$5.09M · loan HK$7.64M · min. income ≈ HK$74,024/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$477,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,746
−HK$2,093/mo
▼ 0.25% · 3.875%
HK$39,785
−HK$1,054/mo
Today · 4.125%
HK$40,839
baseline
▲ 0.50% · 4.625%
HK$42,992
+HK$2,153/mo
Deposit HK$5.09M · loan HK$7.64M · min. income ≈ HK$81,678/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$477,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,633
−HK$2,548/mo
▼ 0.25% · 3.875%
HK$41,897
−HK$1,284/mo
Today · 4.125%
HK$43,181
baseline
▲ 0.50% · 4.625%
HK$45,808
+HK$2,627/mo
Deposit HK$3.82M · loan HK$8.91M · min. income ≈ HK$86,362/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$477,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,203
−HK$2,443/mo
▼ 0.25% · 3.875%
HK$46,416
−HK$1,230/mo
Today · 4.125%
HK$47,646
baseline
▲ 0.50% · 4.625%
HK$50,157
+HK$2,511/mo
Deposit HK$3.82M · loan HK$8.91M · min. income ≈ HK$95,292/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$477,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,242
−HK$3,276/mo
▼ 0.25% · 3.875%
HK$53,867
−HK$1,651/mo
Today · 4.125%
HK$55,518
baseline
▲ 0.50% · 4.625%
HK$58,896
+HK$3,378/mo
Deposit HK$1.27M · loan HK$11.46M · min. income ≈ HK$111,036/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$477,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,119
−HK$3,140/mo
▼ 0.25% · 3.875%
HK$59,677
−HK$1,582/mo
Today · 4.125%
HK$61,259
baseline
▲ 0.50% · 4.625%
HK$64,488
+HK$3,229/mo
Deposit HK$1.27M · loan HK$11.46M · min. income ≈ HK$122,518/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$477,304 · Scale 2, in force from 26 Feb 2026)