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$29,162
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$30,069
−HK$922/mo
Today · 4.125%
HK$30,991
baseline
▲ 0.50% · 4.625%
HK$32,877
+HK$1,886/mo
Deposit HK$6.39M · loan HK$6.39M · min. income ≈ HK$61,982/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$479,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,443
−HK$1,752/mo
▼ 0.25% · 3.875%
HK$33,313
−HK$882/mo
Today · 4.125%
HK$34,195
baseline
▲ 0.50% · 4.625%
HK$35,998
+HK$1,803/mo
Deposit HK$6.39M · loan HK$6.39M · min. income ≈ HK$68,390/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$479,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,995
−HK$2,194/mo
▼ 0.25% · 3.875%
HK$36,083
−HK$1,106/mo
Today · 4.125%
HK$37,189
baseline
▲ 0.50% · 4.625%
HK$39,452
+HK$2,263/mo
Deposit HK$5.12M · loan HK$7.67M · min. income ≈ HK$74,378/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$479,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,931
−HK$2,104/mo
▼ 0.25% · 3.875%
HK$39,975
−HK$1,060/mo
Today · 4.125%
HK$41,035
baseline
▲ 0.50% · 4.625%
HK$43,198
+HK$2,163/mo
Deposit HK$5.12M · loan HK$7.67M · min. income ≈ HK$82,070/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$479,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,827
−HK$2,560/mo
▼ 0.25% · 3.875%
HK$42,097
−HK$1,290/mo
Today · 4.125%
HK$43,387
baseline
▲ 0.50% · 4.625%
HK$46,027
+HK$2,640/mo
Deposit HK$3.84M · loan HK$8.95M · min. income ≈ HK$86,774/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$479,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,420
−HK$2,454/mo
▼ 0.25% · 3.875%
HK$46,638
−HK$1,236/mo
Today · 4.125%
HK$47,874
baseline
▲ 0.50% · 4.625%
HK$50,397
+HK$2,523/mo
Deposit HK$3.84M · loan HK$8.95M · min. income ≈ HK$95,748/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$479,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,492
−HK$3,292/mo
▼ 0.25% · 3.875%
HK$54,125
−HK$1,659/mo
Today · 4.125%
HK$55,784
baseline
▲ 0.50% · 4.625%
HK$59,178
+HK$3,394/mo
Deposit HK$1.28M · loan HK$11.51M · min. income ≈ HK$111,568/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$479,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,397
−HK$3,155/mo
▼ 0.25% · 3.875%
HK$59,963
−HK$1,589/mo
Today · 4.125%
HK$61,552
baseline
▲ 0.50% · 4.625%
HK$64,796
+HK$3,244/mo
Deposit HK$1.28M · loan HK$11.51M · min. income ≈ HK$123,104/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$479,589 · Scale 2, in force from 26 Feb 2026)