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$29,016
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$29,918
−HK$917/mo
Today · 4.125%
HK$30,835
baseline
▲ 0.50% · 4.625%
HK$32,711
+HK$1,876/mo
Deposit HK$6.36M · loan HK$6.36M · min. income ≈ HK$61,670/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$477,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,280
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$33,145
−HK$878/mo
Today · 4.125%
HK$34,023
baseline
▲ 0.50% · 4.625%
HK$35,817
+HK$1,794/mo
Deposit HK$6.36M · loan HK$6.36M · min. income ≈ HK$68,046/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$477,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,819
−HK$2,183/mo
▼ 0.25% · 3.875%
HK$35,902
−HK$1,100/mo
Today · 4.125%
HK$37,002
baseline
▲ 0.50% · 4.625%
HK$39,254
+HK$2,252/mo
Deposit HK$5.09M · loan HK$7.63M · min. income ≈ HK$74,004/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$477,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,735
−HK$2,093/mo
▼ 0.25% · 3.875%
HK$39,774
−HK$1,054/mo
Today · 4.125%
HK$40,828
baseline
▲ 0.50% · 4.625%
HK$42,980
+HK$2,152/mo
Deposit HK$5.09M · loan HK$7.63M · min. income ≈ HK$81,656/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$477,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,622
−HK$2,547/mo
▼ 0.25% · 3.875%
HK$41,885
−HK$1,284/mo
Today · 4.125%
HK$43,169
baseline
▲ 0.50% · 4.625%
HK$45,796
+HK$2,627/mo
Deposit HK$3.82M · loan HK$8.91M · min. income ≈ HK$86,338/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$477,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,191
−HK$2,442/mo
▼ 0.25% · 3.875%
HK$46,403
−HK$1,230/mo
Today · 4.125%
HK$47,633
baseline
▲ 0.50% · 4.625%
HK$50,144
+HK$2,511/mo
Deposit HK$3.82M · loan HK$8.91M · min. income ≈ HK$95,266/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$477,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,228
−HK$3,275/mo
▼ 0.25% · 3.875%
HK$53,853
−HK$1,650/mo
Today · 4.125%
HK$55,503
baseline
▲ 0.50% · 4.625%
HK$58,880
+HK$3,377/mo
Deposit HK$1.27M · loan HK$11.45M · min. income ≈ HK$111,006/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$477,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,103
−HK$3,139/mo
▼ 0.25% · 3.875%
HK$59,661
−HK$1,581/mo
Today · 4.125%
HK$61,242
baseline
▲ 0.50% · 4.625%
HK$64,470
+HK$3,228/mo
Deposit HK$1.27M · loan HK$11.45M · min. income ≈ HK$122,484/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$477,177 · Scale 2, in force from 26 Feb 2026)