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$29,055
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$29,959
−HK$918/mo
Today · 4.125%
HK$30,877
baseline
▲ 0.50% · 4.625%
HK$32,756
+HK$1,879/mo
Deposit HK$6.37M · loan HK$6.37M · min. income ≈ HK$61,754/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$477,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,324
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$33,190
−HK$880/mo
Today · 4.125%
HK$34,070
baseline
▲ 0.50% · 4.625%
HK$35,866
+HK$1,796/mo
Deposit HK$6.37M · loan HK$6.37M · min. income ≈ HK$68,140/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$477,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,866
−HK$2,187/mo
▼ 0.25% · 3.875%
HK$35,951
−HK$1,102/mo
Today · 4.125%
HK$37,053
baseline
▲ 0.50% · 4.625%
HK$39,307
+HK$2,254/mo
Deposit HK$5.10M · loan HK$7.65M · min. income ≈ HK$74,106/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$477,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,788
−HK$2,096/mo
▼ 0.25% · 3.875%
HK$39,829
−HK$1,055/mo
Today · 4.125%
HK$40,884
baseline
▲ 0.50% · 4.625%
HK$43,039
+HK$2,155/mo
Deposit HK$5.10M · loan HK$7.65M · min. income ≈ HK$81,768/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$477,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,677
−HK$2,551/mo
▼ 0.25% · 3.875%
HK$41,943
−HK$1,285/mo
Today · 4.125%
HK$43,228
baseline
▲ 0.50% · 4.625%
HK$45,858
+HK$2,630/mo
Deposit HK$3.82M · loan HK$8.92M · min. income ≈ HK$86,456/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$477,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,253
−HK$2,445/mo
▼ 0.25% · 3.875%
HK$46,467
−HK$1,231/mo
Today · 4.125%
HK$47,698
baseline
▲ 0.50% · 4.625%
HK$50,212
+HK$2,514/mo
Deposit HK$3.82M · loan HK$8.92M · min. income ≈ HK$95,396/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$477,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,299
−HK$3,280/mo
▼ 0.25% · 3.875%
HK$53,926
−HK$1,653/mo
Today · 4.125%
HK$55,579
baseline
▲ 0.50% · 4.625%
HK$58,961
+HK$3,382/mo
Deposit HK$1.27M · loan HK$11.47M · min. income ≈ HK$111,158/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$477,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,182
−HK$3,144/mo
▼ 0.25% · 3.875%
HK$59,743
−HK$1,583/mo
Today · 4.125%
HK$61,326
baseline
▲ 0.50% · 4.625%
HK$64,558
+HK$3,232/mo
Deposit HK$1.27M · loan HK$11.47M · min. income ≈ HK$122,652/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$477,828 · Scale 2, in force from 26 Feb 2026)