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$29,151
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$30,057
−HK$922/mo
Today · 4.125%
HK$30,979
baseline
▲ 0.50% · 4.625%
HK$32,864
+HK$1,885/mo
Deposit HK$6.39M · loan HK$6.39M · min. income ≈ HK$61,958/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$479,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,430
−HK$1,752/mo
▼ 0.25% · 3.875%
HK$33,299
−HK$883/mo
Today · 4.125%
HK$34,182
baseline
▲ 0.50% · 4.625%
HK$35,984
+HK$1,802/mo
Deposit HK$6.39M · loan HK$6.39M · min. income ≈ HK$68,364/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$479,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,981
−HK$2,193/mo
▼ 0.25% · 3.875%
HK$36,069
−HK$1,105/mo
Today · 4.125%
HK$37,174
baseline
▲ 0.50% · 4.625%
HK$39,436
+HK$2,262/mo
Deposit HK$5.11M · loan HK$7.67M · min. income ≈ HK$74,348/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$479,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,916
−HK$2,102/mo
▼ 0.25% · 3.875%
HK$39,959
−HK$1,059/mo
Today · 4.125%
HK$41,018
baseline
▲ 0.50% · 4.625%
HK$43,180
+HK$2,162/mo
Deposit HK$5.11M · loan HK$7.67M · min. income ≈ HK$82,036/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$479,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,811
−HK$2,559/mo
▼ 0.25% · 3.875%
HK$42,080
−HK$1,290/mo
Today · 4.125%
HK$43,370
baseline
▲ 0.50% · 4.625%
HK$46,009
+HK$2,639/mo
Deposit HK$3.84M · loan HK$8.95M · min. income ≈ HK$86,740/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$479,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,402
−HK$2,452/mo
▼ 0.25% · 3.875%
HK$46,619
−HK$1,235/mo
Today · 4.125%
HK$47,854
baseline
▲ 0.50% · 4.625%
HK$50,377
+HK$2,523/mo
Deposit HK$3.84M · loan HK$8.95M · min. income ≈ HK$95,708/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$479,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,471
−HK$3,290/mo
▼ 0.25% · 3.875%
HK$54,103
−HK$1,658/mo
Today · 4.125%
HK$55,761
baseline
▲ 0.50% · 4.625%
HK$59,154
+HK$3,393/mo
Deposit HK$1.28M · loan HK$11.51M · min. income ≈ HK$111,522/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$479,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,373
−HK$3,154/mo
▼ 0.25% · 3.875%
HK$59,939
−HK$1,588/mo
Today · 4.125%
HK$61,527
baseline
▲ 0.50% · 4.625%
HK$64,770
+HK$3,243/mo
Deposit HK$1.28M · loan HK$11.51M · min. income ≈ HK$123,054/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$479,396 · Scale 2, in force from 26 Feb 2026)