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$29,127
−HK$1,826/mo
▼ 0.25% · 3.875%
HK$30,033
−HK$920/mo
Today · 4.125%
HK$30,953
baseline
▲ 0.50% · 4.625%
HK$32,836
+HK$1,883/mo
Deposit HK$6.39M · loan HK$6.39M · min. income ≈ HK$61,906/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$479,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,403
−HK$1,751/mo
▼ 0.25% · 3.875%
HK$33,272
−HK$882/mo
Today · 4.125%
HK$34,154
baseline
▲ 0.50% · 4.625%
HK$35,954
+HK$1,800/mo
Deposit HK$6.39M · loan HK$6.39M · min. income ≈ HK$68,308/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$479,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,952
−HK$2,192/mo
▼ 0.25% · 3.875%
HK$36,039
−HK$1,105/mo
Today · 4.125%
HK$37,144
baseline
▲ 0.50% · 4.625%
HK$39,404
+HK$2,260/mo
Deposit HK$5.11M · loan HK$7.66M · min. income ≈ HK$74,288/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$479,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,884
−HK$2,100/mo
▼ 0.25% · 3.875%
HK$39,926
−HK$1,058/mo
Today · 4.125%
HK$40,984
baseline
▲ 0.50% · 4.625%
HK$43,145
+HK$2,161/mo
Deposit HK$5.11M · loan HK$7.66M · min. income ≈ HK$81,968/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$479,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,777
−HK$2,557/mo
▼ 0.25% · 3.875%
HK$42,046
−HK$1,288/mo
Today · 4.125%
HK$43,334
baseline
▲ 0.50% · 4.625%
HK$45,971
+HK$2,637/mo
Deposit HK$3.83M · loan HK$8.94M · min. income ≈ HK$86,668/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$479,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,364
−HK$2,451/mo
▼ 0.25% · 3.875%
HK$46,581
−HK$1,234/mo
Today · 4.125%
HK$47,815
baseline
▲ 0.50% · 4.625%
HK$50,335
+HK$2,520/mo
Deposit HK$3.83M · loan HK$8.94M · min. income ≈ HK$95,630/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$479,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,428
−HK$3,287/mo
▼ 0.25% · 3.875%
HK$54,059
−HK$1,656/mo
Today · 4.125%
HK$55,715
baseline
▲ 0.50% · 4.625%
HK$59,106
+HK$3,391/mo
Deposit HK$1.28M · loan HK$11.50M · min. income ≈ HK$111,430/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$479,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,325
−HK$3,152/mo
▼ 0.25% · 3.875%
HK$59,890
−HK$1,587/mo
Today · 4.125%
HK$61,477
baseline
▲ 0.50% · 4.625%
HK$64,717
+HK$3,240/mo
Deposit HK$1.28M · loan HK$11.50M · min. income ≈ HK$122,954/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$479,002 · Scale 2, in force from 26 Feb 2026)