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$29,025
−HK$1,820/mo
▼ 0.25% · 3.875%
HK$29,928
−HK$917/mo
Today · 4.125%
HK$30,845
baseline
▲ 0.50% · 4.625%
HK$32,722
+HK$1,877/mo
Deposit HK$6.36M · loan HK$6.36M · min. income ≈ HK$61,690/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$477,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,290
−HK$1,745/mo
▼ 0.25% · 3.875%
HK$33,156
−HK$879/mo
Today · 4.125%
HK$34,035
baseline
▲ 0.50% · 4.625%
HK$35,829
+HK$1,794/mo
Deposit HK$6.36M · loan HK$6.36M · min. income ≈ HK$68,070/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$477,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,830
−HK$2,184/mo
▼ 0.25% · 3.875%
HK$35,914
−HK$1,100/mo
Today · 4.125%
HK$37,014
baseline
▲ 0.50% · 4.625%
HK$39,267
+HK$2,253/mo
Deposit HK$5.09M · loan HK$7.64M · min. income ≈ HK$74,028/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$477,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,748
−HK$2,094/mo
▼ 0.25% · 3.875%
HK$39,788
−HK$1,054/mo
Today · 4.125%
HK$40,842
baseline
▲ 0.50% · 4.625%
HK$42,995
+HK$2,153/mo
Deposit HK$5.09M · loan HK$7.64M · min. income ≈ HK$81,684/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$477,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,635
−HK$2,548/mo
▼ 0.25% · 3.875%
HK$41,899
−HK$1,284/mo
Today · 4.125%
HK$43,183
baseline
▲ 0.50% · 4.625%
HK$45,811
+HK$2,628/mo
Deposit HK$3.82M · loan HK$8.91M · min. income ≈ HK$86,366/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$477,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,206
−HK$2,443/mo
▼ 0.25% · 3.875%
HK$46,419
−HK$1,230/mo
Today · 4.125%
HK$47,649
baseline
▲ 0.50% · 4.625%
HK$50,160
+HK$2,511/mo
Deposit HK$3.82M · loan HK$8.91M · min. income ≈ HK$95,298/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$477,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,245
−HK$3,277/mo
▼ 0.25% · 3.875%
HK$53,871
−HK$1,651/mo
Today · 4.125%
HK$55,522
baseline
▲ 0.50% · 4.625%
HK$58,900
+HK$3,378/mo
Deposit HK$1.27M · loan HK$11.46M · min. income ≈ HK$111,044/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$477,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,122
−HK$3,141/mo
▼ 0.25% · 3.875%
HK$59,681
−HK$1,582/mo
Today · 4.125%
HK$61,263
baseline
▲ 0.50% · 4.625%
HK$64,492
+HK$3,229/mo
Deposit HK$1.27M · loan HK$11.46M · min. income ≈ HK$122,526/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$477,335 · Scale 2, in force from 26 Feb 2026)