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$29,054
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$29,958
−HK$918/mo
Today · 4.125%
HK$30,876
baseline
▲ 0.50% · 4.625%
HK$32,755
+HK$1,879/mo
Deposit HK$6.37M · loan HK$6.37M · min. income ≈ HK$61,752/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$477,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,323
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$33,190
−HK$879/mo
Today · 4.125%
HK$34,069
baseline
▲ 0.50% · 4.625%
HK$35,865
+HK$1,796/mo
Deposit HK$6.37M · loan HK$6.37M · min. income ≈ HK$68,138/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$477,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,865
−HK$2,187/mo
▼ 0.25% · 3.875%
HK$35,950
−HK$1,102/mo
Today · 4.125%
HK$37,052
baseline
▲ 0.50% · 4.625%
HK$39,306
+HK$2,254/mo
Deposit HK$5.10M · loan HK$7.65M · min. income ≈ HK$74,104/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$477,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,787
−HK$2,096/mo
▼ 0.25% · 3.875%
HK$39,827
−HK$1,056/mo
Today · 4.125%
HK$40,883
baseline
▲ 0.50% · 4.625%
HK$43,038
+HK$2,155/mo
Deposit HK$5.10M · loan HK$7.65M · min. income ≈ HK$81,766/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$477,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,676
−HK$2,551/mo
▼ 0.25% · 3.875%
HK$41,941
−HK$1,286/mo
Today · 4.125%
HK$43,227
baseline
▲ 0.50% · 4.625%
HK$45,857
+HK$2,630/mo
Deposit HK$3.82M · loan HK$8.92M · min. income ≈ HK$86,454/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$477,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,252
−HK$2,444/mo
▼ 0.25% · 3.875%
HK$46,465
−HK$1,231/mo
Today · 4.125%
HK$47,696
baseline
▲ 0.50% · 4.625%
HK$50,211
+HK$2,515/mo
Deposit HK$3.82M · loan HK$8.92M · min. income ≈ HK$95,392/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$477,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,298
−HK$3,279/mo
▼ 0.25% · 3.875%
HK$53,925
−HK$1,652/mo
Today · 4.125%
HK$55,577
baseline
▲ 0.50% · 4.625%
HK$58,959
+HK$3,382/mo
Deposit HK$1.27M · loan HK$11.47M · min. income ≈ HK$111,154/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$477,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,181
−HK$3,143/mo
▼ 0.25% · 3.875%
HK$59,741
−HK$1,583/mo
Today · 4.125%
HK$61,324
baseline
▲ 0.50% · 4.625%
HK$64,557
+HK$3,233/mo
Deposit HK$1.27M · loan HK$11.47M · min. income ≈ HK$122,648/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$477,814 · Scale 2, in force from 26 Feb 2026)