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$29,147
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$30,053
−HK$922/mo
Today · 4.125%
HK$30,975
baseline
▲ 0.50% · 4.625%
HK$32,859
+HK$1,884/mo
Deposit HK$6.39M · loan HK$6.39M · min. income ≈ HK$61,950/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$479,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,426
−HK$1,751/mo
▼ 0.25% · 3.875%
HK$33,295
−HK$882/mo
Today · 4.125%
HK$34,177
baseline
▲ 0.50% · 4.625%
HK$35,979
+HK$1,802/mo
Deposit HK$6.39M · loan HK$6.39M · min. income ≈ HK$68,354/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$479,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,976
−HK$2,193/mo
▼ 0.25% · 3.875%
HK$36,064
−HK$1,105/mo
Today · 4.125%
HK$37,169
baseline
▲ 0.50% · 4.625%
HK$39,431
+HK$2,262/mo
Deposit HK$5.11M · loan HK$7.67M · min. income ≈ HK$74,338/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$479,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,911
−HK$2,102/mo
▼ 0.25% · 3.875%
HK$39,954
−HK$1,059/mo
Today · 4.125%
HK$41,013
baseline
▲ 0.50% · 4.625%
HK$43,175
+HK$2,162/mo
Deposit HK$5.11M · loan HK$7.67M · min. income ≈ HK$82,026/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$479,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,805
−HK$2,559/mo
▼ 0.25% · 3.875%
HK$42,075
−HK$1,289/mo
Today · 4.125%
HK$43,364
baseline
▲ 0.50% · 4.625%
HK$46,003
+HK$2,639/mo
Deposit HK$3.83M · loan HK$8.95M · min. income ≈ HK$86,728/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$479,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,396
−HK$2,452/mo
▼ 0.25% · 3.875%
HK$46,613
−HK$1,235/mo
Today · 4.125%
HK$47,848
baseline
▲ 0.50% · 4.625%
HK$50,370
+HK$2,522/mo
Deposit HK$3.83M · loan HK$8.95M · min. income ≈ HK$95,696/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$479,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,464
−HK$3,290/mo
▼ 0.25% · 3.875%
HK$54,096
−HK$1,658/mo
Today · 4.125%
HK$55,754
baseline
▲ 0.50% · 4.625%
HK$59,147
+HK$3,393/mo
Deposit HK$1.28M · loan HK$11.50M · min. income ≈ HK$111,508/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$479,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,366
−HK$3,153/mo
▼ 0.25% · 3.875%
HK$59,931
−HK$1,588/mo
Today · 4.125%
HK$61,519
baseline
▲ 0.50% · 4.625%
HK$64,762
+HK$3,243/mo
Deposit HK$1.28M · loan HK$11.50M · min. income ≈ HK$123,038/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$479,334 · Scale 2, in force from 26 Feb 2026)