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$29,012
−HK$1,820/mo
▼ 0.25% · 3.875%
HK$29,915
−HK$917/mo
Today · 4.125%
HK$30,832
baseline
▲ 0.50% · 4.625%
HK$32,708
+HK$1,876/mo
Deposit HK$6.36M · loan HK$6.36M · min. income ≈ HK$61,664/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$477,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,276
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$33,142
−HK$878/mo
Today · 4.125%
HK$34,020
baseline
▲ 0.50% · 4.625%
HK$35,813
+HK$1,793/mo
Deposit HK$6.36M · loan HK$6.36M · min. income ≈ HK$68,040/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$477,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,815
−HK$2,183/mo
▼ 0.25% · 3.875%
HK$35,898
−HK$1,100/mo
Today · 4.125%
HK$36,998
baseline
▲ 0.50% · 4.625%
HK$39,249
+HK$2,251/mo
Deposit HK$5.09M · loan HK$7.63M · min. income ≈ HK$73,996/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$477,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,731
−HK$2,093/mo
▼ 0.25% · 3.875%
HK$39,770
−HK$1,054/mo
Today · 4.125%
HK$40,824
baseline
▲ 0.50% · 4.625%
HK$42,976
+HK$2,152/mo
Deposit HK$5.09M · loan HK$7.63M · min. income ≈ HK$81,648/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$477,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,617
−HK$2,547/mo
▼ 0.25% · 3.875%
HK$41,881
−HK$1,283/mo
Today · 4.125%
HK$43,164
baseline
▲ 0.50% · 4.625%
HK$45,791
+HK$2,627/mo
Deposit HK$3.82M · loan HK$8.91M · min. income ≈ HK$86,328/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$477,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,186
−HK$2,442/mo
▼ 0.25% · 3.875%
HK$46,398
−HK$1,230/mo
Today · 4.125%
HK$47,628
baseline
▲ 0.50% · 4.625%
HK$50,138
+HK$2,510/mo
Deposit HK$3.82M · loan HK$8.91M · min. income ≈ HK$95,256/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$477,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,222
−HK$3,275/mo
▼ 0.25% · 3.875%
HK$53,847
−HK$1,650/mo
Today · 4.125%
HK$55,497
baseline
▲ 0.50% · 4.625%
HK$58,874
+HK$3,377/mo
Deposit HK$1.27M · loan HK$11.45M · min. income ≈ HK$110,994/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$477,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,097
−HK$3,139/mo
▼ 0.25% · 3.875%
HK$59,655
−HK$1,581/mo
Today · 4.125%
HK$61,236
baseline
▲ 0.50% · 4.625%
HK$64,463
+HK$3,227/mo
Deposit HK$1.27M · loan HK$11.45M · min. income ≈ HK$122,472/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$477,124 · Scale 2, in force from 26 Feb 2026)