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$29,058
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$29,962
−HK$918/mo
Today · 4.125%
HK$30,880
baseline
▲ 0.50% · 4.625%
HK$32,759
+HK$1,879/mo
Deposit HK$6.37M · loan HK$6.37M · min. income ≈ HK$61,760/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$477,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,327
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$33,194
−HK$879/mo
Today · 4.125%
HK$34,073
baseline
▲ 0.50% · 4.625%
HK$35,869
+HK$1,796/mo
Deposit HK$6.37M · loan HK$6.37M · min. income ≈ HK$68,146/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$477,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,870
−HK$2,186/mo
▼ 0.25% · 3.875%
HK$35,954
−HK$1,102/mo
Today · 4.125%
HK$37,056
baseline
▲ 0.50% · 4.625%
HK$39,311
+HK$2,255/mo
Deposit HK$5.10M · loan HK$7.65M · min. income ≈ HK$74,112/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$477,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,792
−HK$2,096/mo
▼ 0.25% · 3.875%
HK$39,833
−HK$1,055/mo
Today · 4.125%
HK$40,888
baseline
▲ 0.50% · 4.625%
HK$43,043
+HK$2,155/mo
Deposit HK$5.10M · loan HK$7.65M · min. income ≈ HK$81,776/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$477,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,681
−HK$2,551/mo
▼ 0.25% · 3.875%
HK$41,947
−HK$1,285/mo
Today · 4.125%
HK$43,232
baseline
▲ 0.50% · 4.625%
HK$45,863
+HK$2,631/mo
Deposit HK$3.82M · loan HK$8.92M · min. income ≈ HK$86,464/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$477,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,257
−HK$2,446/mo
▼ 0.25% · 3.875%
HK$46,471
−HK$1,232/mo
Today · 4.125%
HK$47,703
baseline
▲ 0.50% · 4.625%
HK$50,217
+HK$2,514/mo
Deposit HK$3.82M · loan HK$8.92M · min. income ≈ HK$95,406/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$477,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,304
−HK$3,280/mo
▼ 0.25% · 3.875%
HK$53,931
−HK$1,653/mo
Today · 4.125%
HK$55,584
baseline
▲ 0.50% · 4.625%
HK$58,967
+HK$3,383/mo
Deposit HK$1.27M · loan HK$11.47M · min. income ≈ HK$111,168/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$477,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,188
−HK$3,144/mo
▼ 0.25% · 3.875%
HK$59,749
−HK$1,583/mo
Today · 4.125%
HK$61,332
baseline
▲ 0.50% · 4.625%
HK$64,565
+HK$3,233/mo
Deposit HK$1.27M · loan HK$11.47M · min. income ≈ HK$122,664/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$477,875 · Scale 2, in force from 26 Feb 2026)