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$1,819/mo
▼ 0.25% · 3.875%
HK$29,914
−HK$917/mo
Today · 4.125%
HK$30,831
baseline
▲ 0.50% · 4.625%
HK$32,707
+HK$1,876/mo
Deposit HK$6.36M · loan HK$6.36M · min. income ≈ HK$61,662/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$477,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,275
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$33,141
−HK$878/mo
Today · 4.125%
HK$34,019
baseline
▲ 0.50% · 4.625%
HK$35,812
+HK$1,793/mo
Deposit HK$6.36M · loan HK$6.36M · min. income ≈ HK$68,038/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$477,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,814
−HK$2,183/mo
▼ 0.25% · 3.875%
HK$35,897
−HK$1,100/mo
Today · 4.125%
HK$36,997
baseline
▲ 0.50% · 4.625%
HK$39,248
+HK$2,251/mo
Deposit HK$5.09M · loan HK$7.63M · min. income ≈ HK$73,994/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$477,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,730
−HK$2,093/mo
▼ 0.25% · 3.875%
HK$39,769
−HK$1,054/mo
Today · 4.125%
HK$40,823
baseline
▲ 0.50% · 4.625%
HK$42,974
+HK$2,151/mo
Deposit HK$5.09M · loan HK$7.63M · min. income ≈ HK$81,646/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$477,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,616
−HK$2,547/mo
▼ 0.25% · 3.875%
HK$41,880
−HK$1,283/mo
Today · 4.125%
HK$43,163
baseline
▲ 0.50% · 4.625%
HK$45,790
+HK$2,627/mo
Deposit HK$3.82M · loan HK$8.91M · min. income ≈ HK$86,326/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$477,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,185
−HK$2,441/mo
▼ 0.25% · 3.875%
HK$46,397
−HK$1,229/mo
Today · 4.125%
HK$47,626
baseline
▲ 0.50% · 4.625%
HK$50,137
+HK$2,511/mo
Deposit HK$3.82M · loan HK$8.91M · min. income ≈ HK$95,252/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$477,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,221
−HK$3,275/mo
▼ 0.25% · 3.875%
HK$53,845
−HK$1,651/mo
Today · 4.125%
HK$55,496
baseline
▲ 0.50% · 4.625%
HK$58,872
+HK$3,376/mo
Deposit HK$1.27M · loan HK$11.45M · min. income ≈ HK$110,992/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$477,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,095
−HK$3,139/mo
▼ 0.25% · 3.875%
HK$59,653
−HK$1,581/mo
Today · 4.125%
HK$61,234
baseline
▲ 0.50% · 4.625%
HK$64,462
+HK$3,228/mo
Deposit HK$1.27M · loan HK$11.45M · min. income ≈ HK$122,468/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$477,111 · Scale 2, in force from 26 Feb 2026)