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$29,021
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$29,923
−HK$917/mo
Today · 4.125%
HK$30,840
baseline
▲ 0.50% · 4.625%
HK$32,717
+HK$1,877/mo
Deposit HK$6.36M · loan HK$6.36M · min. income ≈ HK$61,680/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$477,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,285
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$33,151
−HK$878/mo
Today · 4.125%
HK$34,029
baseline
▲ 0.50% · 4.625%
HK$35,823
+HK$1,794/mo
Deposit HK$6.36M · loan HK$6.36M · min. income ≈ HK$68,058/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$477,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,825
−HK$2,184/mo
▼ 0.25% · 3.875%
HK$35,908
−HK$1,101/mo
Today · 4.125%
HK$37,009
baseline
▲ 0.50% · 4.625%
HK$39,260
+HK$2,251/mo
Deposit HK$5.09M · loan HK$7.64M · min. income ≈ HK$74,018/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$477,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,742
−HK$2,093/mo
▼ 0.25% · 3.875%
HK$39,781
−HK$1,054/mo
Today · 4.125%
HK$40,835
baseline
▲ 0.50% · 4.625%
HK$42,988
+HK$2,153/mo
Deposit HK$5.09M · loan HK$7.64M · min. income ≈ HK$81,670/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$477,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,629
−HK$2,548/mo
▼ 0.25% · 3.875%
HK$41,893
−HK$1,284/mo
Today · 4.125%
HK$43,177
baseline
▲ 0.50% · 4.625%
HK$45,804
+HK$2,627/mo
Deposit HK$3.82M · loan HK$8.91M · min. income ≈ HK$86,354/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$477,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,199
−HK$2,442/mo
▼ 0.25% · 3.875%
HK$46,411
−HK$1,230/mo
Today · 4.125%
HK$47,641
baseline
▲ 0.50% · 4.625%
HK$50,152
+HK$2,511/mo
Deposit HK$3.82M · loan HK$8.91M · min. income ≈ HK$95,282/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$477,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,237
−HK$3,276/mo
▼ 0.25% · 3.875%
HK$53,862
−HK$1,651/mo
Today · 4.125%
HK$55,513
baseline
▲ 0.50% · 4.625%
HK$58,891
+HK$3,378/mo
Deposit HK$1.27M · loan HK$11.45M · min. income ≈ HK$111,026/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$477,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,113
−HK$3,140/mo
▼ 0.25% · 3.875%
HK$59,672
−HK$1,581/mo
Today · 4.125%
HK$61,253
baseline
▲ 0.50% · 4.625%
HK$64,482
+HK$3,229/mo
Deposit HK$1.27M · loan HK$11.45M · min. income ≈ HK$122,506/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$477,259 · Scale 2, in force from 26 Feb 2026)