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$29,035
−HK$1,821/mo
▼ 0.25% · 3.875%
HK$29,938
−HK$918/mo
Today · 4.125%
HK$30,856
baseline
▲ 0.50% · 4.625%
HK$32,733
+HK$1,877/mo
Deposit HK$6.37M · loan HK$6.37M · min. income ≈ HK$61,712/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$477,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,301
−HK$1,745/mo
▼ 0.25% · 3.875%
HK$33,167
−HK$879/mo
Today · 4.125%
HK$34,046
baseline
▲ 0.50% · 4.625%
HK$35,841
+HK$1,795/mo
Deposit HK$6.37M · loan HK$6.37M · min. income ≈ HK$68,092/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$477,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,842
−HK$2,185/mo
▼ 0.25% · 3.875%
HK$35,926
−HK$1,101/mo
Today · 4.125%
HK$37,027
baseline
▲ 0.50% · 4.625%
HK$39,280
+HK$2,253/mo
Deposit HK$5.09M · loan HK$7.64M · min. income ≈ HK$74,054/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$477,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,761
−HK$2,094/mo
▼ 0.25% · 3.875%
HK$39,801
−HK$1,054/mo
Today · 4.125%
HK$40,855
baseline
▲ 0.50% · 4.625%
HK$43,009
+HK$2,154/mo
Deposit HK$5.09M · loan HK$7.64M · min. income ≈ HK$81,710/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$477,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,649
−HK$2,549/mo
▼ 0.25% · 3.875%
HK$41,913
−HK$1,285/mo
Today · 4.125%
HK$43,198
baseline
▲ 0.50% · 4.625%
HK$45,827
+HK$2,629/mo
Deposit HK$3.82M · loan HK$8.91M · min. income ≈ HK$86,396/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$477,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,222
−HK$2,443/mo
▼ 0.25% · 3.875%
HK$46,434
−HK$1,231/mo
Today · 4.125%
HK$47,665
baseline
▲ 0.50% · 4.625%
HK$50,177
+HK$2,512/mo
Deposit HK$3.82M · loan HK$8.91M · min. income ≈ HK$95,330/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$477,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,263
−HK$3,277/mo
▼ 0.25% · 3.875%
HK$53,889
−HK$1,651/mo
Today · 4.125%
HK$55,540
baseline
▲ 0.50% · 4.625%
HK$58,920
+HK$3,380/mo
Deposit HK$1.27M · loan HK$11.46M · min. income ≈ HK$111,080/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$477,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,142
−HK$3,141/mo
▼ 0.25% · 3.875%
HK$59,701
−HK$1,582/mo
Today · 4.125%
HK$61,283
baseline
▲ 0.50% · 4.625%
HK$64,514
+HK$3,231/mo
Deposit HK$1.27M · loan HK$11.46M · min. income ≈ HK$122,566/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$477,496 · Scale 2, in force from 26 Feb 2026)