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$29,045
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$29,949
−HK$918/mo
Today · 4.125%
HK$30,867
baseline
▲ 0.50% · 4.625%
HK$32,745
+HK$1,878/mo
Deposit HK$6.37M · loan HK$6.37M · min. income ≈ HK$61,734/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$477,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,312
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$33,179
−HK$879/mo
Today · 4.125%
HK$34,058
baseline
▲ 0.50% · 4.625%
HK$35,853
+HK$1,795/mo
Deposit HK$6.37M · loan HK$6.37M · min. income ≈ HK$68,116/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$477,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,854
−HK$2,186/mo
▼ 0.25% · 3.875%
HK$35,938
−HK$1,102/mo
Today · 4.125%
HK$37,040
baseline
▲ 0.50% · 4.625%
HK$39,294
+HK$2,254/mo
Deposit HK$5.10M · loan HK$7.64M · min. income ≈ HK$74,080/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$477,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,775
−HK$2,095/mo
▼ 0.25% · 3.875%
HK$39,815
−HK$1,055/mo
Today · 4.125%
HK$40,870
baseline
▲ 0.50% · 4.625%
HK$43,024
+HK$2,154/mo
Deposit HK$5.10M · loan HK$7.64M · min. income ≈ HK$81,740/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$477,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,663
−HK$2,550/mo
▼ 0.25% · 3.875%
HK$41,928
−HK$1,285/mo
Today · 4.125%
HK$43,213
baseline
▲ 0.50% · 4.625%
HK$45,843
+HK$2,630/mo
Deposit HK$3.82M · loan HK$8.92M · min. income ≈ HK$86,426/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$477,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,237
−HK$2,444/mo
▼ 0.25% · 3.875%
HK$46,451
−HK$1,230/mo
Today · 4.125%
HK$47,681
baseline
▲ 0.50% · 4.625%
HK$50,195
+HK$2,514/mo
Deposit HK$3.82M · loan HK$8.92M · min. income ≈ HK$95,362/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$477,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,281
−HK$3,279/mo
▼ 0.25% · 3.875%
HK$53,907
−HK$1,653/mo
Today · 4.125%
HK$55,560
baseline
▲ 0.50% · 4.625%
HK$58,940
+HK$3,380/mo
Deposit HK$1.27M · loan HK$11.46M · min. income ≈ HK$111,120/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$477,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,162
−HK$3,143/mo
▼ 0.25% · 3.875%
HK$59,722
−HK$1,583/mo
Today · 4.125%
HK$61,305
baseline
▲ 0.50% · 4.625%
HK$64,536
+HK$3,231/mo
Deposit HK$1.27M · loan HK$11.46M · min. income ≈ HK$122,610/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$477,663 · Scale 2, in force from 26 Feb 2026)