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$29,002
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$29,905
−HK$916/mo
Today · 4.125%
HK$30,821
baseline
▲ 0.50% · 4.625%
HK$32,696
+HK$1,875/mo
Deposit HK$6.36M · loan HK$6.36M · min. income ≈ HK$61,642/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$476,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,265
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$33,130
−HK$878/mo
Today · 4.125%
HK$34,008
baseline
▲ 0.50% · 4.625%
HK$35,801
+HK$1,793/mo
Deposit HK$6.36M · loan HK$6.36M · min. income ≈ HK$68,016/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$476,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,803
−HK$2,182/mo
▼ 0.25% · 3.875%
HK$35,885
−HK$1,100/mo
Today · 4.125%
HK$36,985
baseline
▲ 0.50% · 4.625%
HK$39,236
+HK$2,251/mo
Deposit HK$5.09M · loan HK$7.63M · min. income ≈ HK$73,970/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$476,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,718
−HK$2,092/mo
▼ 0.25% · 3.875%
HK$39,756
−HK$1,054/mo
Today · 4.125%
HK$40,810
baseline
▲ 0.50% · 4.625%
HK$42,961
+HK$2,151/mo
Deposit HK$5.09M · loan HK$7.63M · min. income ≈ HK$81,620/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$476,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,603
−HK$2,547/mo
▼ 0.25% · 3.875%
HK$41,866
−HK$1,284/mo
Today · 4.125%
HK$43,150
baseline
▲ 0.50% · 4.625%
HK$45,775
+HK$2,625/mo
Deposit HK$3.82M · loan HK$8.90M · min. income ≈ HK$86,300/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$476,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,171
−HK$2,440/mo
▼ 0.25% · 3.875%
HK$46,382
−HK$1,229/mo
Today · 4.125%
HK$47,611
baseline
▲ 0.50% · 4.625%
HK$50,121
+HK$2,510/mo
Deposit HK$3.82M · loan HK$8.90M · min. income ≈ HK$95,222/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$476,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,204
−HK$3,274/mo
▼ 0.25% · 3.875%
HK$53,828
−HK$1,650/mo
Today · 4.125%
HK$55,478
baseline
▲ 0.50% · 4.625%
HK$58,854
+HK$3,376/mo
Deposit HK$1.27M · loan HK$11.45M · min. income ≈ HK$110,956/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$476,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,077
−HK$3,137/mo
▼ 0.25% · 3.875%
HK$59,634
−HK$1,580/mo
Today · 4.125%
HK$61,214
baseline
▲ 0.50% · 4.625%
HK$64,441
+HK$3,227/mo
Deposit HK$1.27M · loan HK$11.45M · min. income ≈ HK$122,428/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$476,960 · Scale 2, in force from 26 Feb 2026)