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$32,712
+HK$1,877/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$477,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,280
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$33,146
−HK$878/mo
Today · 4.125%
HK$34,024
baseline
▲ 0.50% · 4.625%
HK$35,817
+HK$1,793/mo
Deposit HK$6.36M · loan HK$6.36M · min. income ≈ HK$68,048/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$477,181 · 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$477,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,736
−HK$2,093/mo
▼ 0.25% · 3.875%
HK$39,775
−HK$1,054/mo
Today · 4.125%
HK$40,829
baseline
▲ 0.50% · 4.625%
HK$42,981
+HK$2,152/mo
Deposit HK$5.09M · loan HK$7.63M · min. income ≈ HK$81,658/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$477,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,622
−HK$2,548/mo
▼ 0.25% · 3.875%
HK$41,886
−HK$1,284/mo
Today · 4.125%
HK$43,170
baseline
▲ 0.50% · 4.625%
HK$45,796
+HK$2,626/mo
Deposit HK$3.82M · loan HK$8.91M · min. income ≈ HK$86,340/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$477,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,192
−HK$2,441/mo
▼ 0.25% · 3.875%
HK$46,404
−HK$1,229/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$477,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,228
−HK$3,276/mo
▼ 0.25% · 3.875%
HK$53,853
−HK$1,651/mo
Today · 4.125%
HK$55,504
baseline
▲ 0.50% · 4.625%
HK$58,881
+HK$3,377/mo
Deposit HK$1.27M · loan HK$11.45M · min. income ≈ HK$111,008/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$477,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,104
−HK$3,139/mo
▼ 0.25% · 3.875%
HK$59,662
−HK$1,581/mo
Today · 4.125%
HK$61,243
baseline
▲ 0.50% · 4.625%
HK$64,471
+HK$3,228/mo
Deposit HK$1.27M · loan HK$11.45M · min. income ≈ HK$122,486/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$477,181 · Scale 2, in force from 26 Feb 2026)