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$29,063
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$29,967
−HK$918/mo
Today · 4.125%
HK$30,885
baseline
▲ 0.50% · 4.625%
HK$32,764
+HK$1,879/mo
Deposit HK$6.37M · loan HK$6.37M · min. income ≈ HK$61,770/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$477,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,332
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$33,199
−HK$880/mo
Today · 4.125%
HK$34,079
baseline
▲ 0.50% · 4.625%
HK$35,875
+HK$1,796/mo
Deposit HK$6.37M · loan HK$6.37M · min. income ≈ HK$68,158/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$477,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,875
−HK$2,187/mo
▼ 0.25% · 3.875%
HK$35,960
−HK$1,102/mo
Today · 4.125%
HK$37,062
baseline
▲ 0.50% · 4.625%
HK$39,317
+HK$2,255/mo
Deposit HK$5.10M · loan HK$7.65M · min. income ≈ HK$74,124/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$477,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,798
−HK$2,096/mo
▼ 0.25% · 3.875%
HK$39,839
−HK$1,055/mo
Today · 4.125%
HK$40,894
baseline
▲ 0.50% · 4.625%
HK$43,050
+HK$2,156/mo
Deposit HK$5.10M · loan HK$7.65M · min. income ≈ HK$81,788/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$477,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,688
−HK$2,551/mo
▼ 0.25% · 3.875%
HK$41,953
−HK$1,286/mo
Today · 4.125%
HK$43,239
baseline
▲ 0.50% · 4.625%
HK$45,870
+HK$2,631/mo
Deposit HK$3.82M · loan HK$8.92M · min. income ≈ HK$86,478/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$477,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,265
−HK$2,445/mo
▼ 0.25% · 3.875%
HK$46,478
−HK$1,232/mo
Today · 4.125%
HK$47,710
baseline
▲ 0.50% · 4.625%
HK$50,225
+HK$2,515/mo
Deposit HK$3.82M · loan HK$8.92M · min. income ≈ HK$95,420/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$477,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,313
−HK$3,280/mo
▼ 0.25% · 3.875%
HK$53,940
−HK$1,653/mo
Today · 4.125%
HK$55,593
baseline
▲ 0.50% · 4.625%
HK$58,976
+HK$3,383/mo
Deposit HK$1.27M · loan HK$11.47M · min. income ≈ HK$111,186/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$477,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,197
−HK$3,144/mo
▼ 0.25% · 3.875%
HK$59,758
−HK$1,583/mo
Today · 4.125%
HK$61,341
baseline
▲ 0.50% · 4.625%
HK$64,575
+HK$3,234/mo
Deposit HK$1.27M · loan HK$11.47M · min. income ≈ HK$122,682/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$477,949 · Scale 2, in force from 26 Feb 2026)