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$29,008
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$29,910
−HK$917/mo
Today · 4.125%
HK$30,827
baseline
▲ 0.50% · 4.625%
HK$32,702
+HK$1,875/mo
Deposit HK$6.36M · loan HK$6.36M · min. income ≈ HK$61,654/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$477,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,271
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$33,136
−HK$878/mo
Today · 4.125%
HK$34,014
baseline
▲ 0.50% · 4.625%
HK$35,807
+HK$1,793/mo
Deposit HK$6.36M · loan HK$6.36M · min. income ≈ HK$68,028/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$477,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,809
−HK$2,183/mo
▼ 0.25% · 3.875%
HK$35,892
−HK$1,100/mo
Today · 4.125%
HK$36,992
baseline
▲ 0.50% · 4.625%
HK$39,243
+HK$2,251/mo
Deposit HK$5.09M · loan HK$7.63M · min. income ≈ HK$73,984/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$477,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,725
−HK$2,092/mo
▼ 0.25% · 3.875%
HK$39,763
−HK$1,054/mo
Today · 4.125%
HK$40,817
baseline
▲ 0.50% · 4.625%
HK$42,968
+HK$2,151/mo
Deposit HK$5.09M · loan HK$7.63M · min. income ≈ HK$81,634/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$477,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,611
−HK$2,546/mo
▼ 0.25% · 3.875%
HK$41,874
−HK$1,283/mo
Today · 4.125%
HK$43,157
baseline
▲ 0.50% · 4.625%
HK$45,783
+HK$2,626/mo
Deposit HK$3.82M · loan HK$8.90M · min. income ≈ HK$86,314/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$477,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,179
−HK$2,441/mo
▼ 0.25% · 3.875%
HK$46,391
−HK$1,229/mo
Today · 4.125%
HK$47,620
baseline
▲ 0.50% · 4.625%
HK$50,130
+HK$2,510/mo
Deposit HK$3.82M · loan HK$8.90M · min. income ≈ HK$95,240/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$477,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,214
−HK$3,274/mo
▼ 0.25% · 3.875%
HK$53,838
−HK$1,650/mo
Today · 4.125%
HK$55,488
baseline
▲ 0.50% · 4.625%
HK$58,864
+HK$3,376/mo
Deposit HK$1.27M · loan HK$11.45M · min. income ≈ HK$110,976/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$477,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,087
−HK$3,138/mo
▼ 0.25% · 3.875%
HK$59,645
−HK$1,580/mo
Today · 4.125%
HK$61,225
baseline
▲ 0.50% · 4.625%
HK$64,453
+HK$3,228/mo
Deposit HK$1.27M · loan HK$11.45M · min. income ≈ HK$122,450/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$477,045 · Scale 2, in force from 26 Feb 2026)