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$29,150
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$30,056
−HK$921/mo
Today · 4.125%
HK$30,977
baseline
▲ 0.50% · 4.625%
HK$32,862
+HK$1,885/mo
Deposit HK$6.39M · loan HK$6.39M · min. income ≈ HK$61,954/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$479,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,429
−HK$1,752/mo
▼ 0.25% · 3.875%
HK$33,298
−HK$883/mo
Today · 4.125%
HK$34,181
baseline
▲ 0.50% · 4.625%
HK$35,982
+HK$1,801/mo
Deposit HK$6.39M · loan HK$6.39M · min. income ≈ HK$68,362/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$479,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,979
−HK$2,194/mo
▼ 0.25% · 3.875%
HK$36,068
−HK$1,105/mo
Today · 4.125%
HK$37,173
baseline
▲ 0.50% · 4.625%
HK$39,435
+HK$2,262/mo
Deposit HK$5.11M · loan HK$7.67M · min. income ≈ HK$74,346/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$479,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,914
−HK$2,103/mo
▼ 0.25% · 3.875%
HK$39,958
−HK$1,059/mo
Today · 4.125%
HK$41,017
baseline
▲ 0.50% · 4.625%
HK$43,179
+HK$2,162/mo
Deposit HK$5.11M · loan HK$7.67M · min. income ≈ HK$82,034/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$479,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,809
−HK$2,559/mo
▼ 0.25% · 3.875%
HK$42,079
−HK$1,289/mo
Today · 4.125%
HK$43,368
baseline
▲ 0.50% · 4.625%
HK$46,007
+HK$2,639/mo
Deposit HK$3.84M · loan HK$8.95M · min. income ≈ HK$86,736/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$479,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,400
−HK$2,453/mo
▼ 0.25% · 3.875%
HK$46,618
−HK$1,235/mo
Today · 4.125%
HK$47,853
baseline
▲ 0.50% · 4.625%
HK$50,375
+HK$2,522/mo
Deposit HK$3.84M · loan HK$8.95M · min. income ≈ HK$95,706/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$479,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,469
−HK$3,290/mo
▼ 0.25% · 3.875%
HK$54,101
−HK$1,658/mo
Today · 4.125%
HK$55,759
baseline
▲ 0.50% · 4.625%
HK$59,152
+HK$3,393/mo
Deposit HK$1.28M · loan HK$11.51M · min. income ≈ HK$111,518/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$479,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,371
−HK$3,154/mo
▼ 0.25% · 3.875%
HK$59,937
−HK$1,588/mo
Today · 4.125%
HK$61,525
baseline
▲ 0.50% · 4.625%
HK$64,768
+HK$3,243/mo
Deposit HK$1.28M · loan HK$11.51M · min. income ≈ HK$123,050/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$479,380 · Scale 2, in force from 26 Feb 2026)