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$29,134
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$30,040
−HK$921/mo
Today · 4.125%
HK$30,961
baseline
▲ 0.50% · 4.625%
HK$32,845
+HK$1,884/mo
Deposit HK$6.39M · loan HK$6.39M · min. income ≈ HK$61,922/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$479,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,411
−HK$1,752/mo
▼ 0.25% · 3.875%
HK$33,281
−HK$882/mo
Today · 4.125%
HK$34,163
baseline
▲ 0.50% · 4.625%
HK$35,963
+HK$1,800/mo
Deposit HK$6.39M · loan HK$6.39M · min. income ≈ HK$68,326/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$479,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,961
−HK$2,192/mo
▼ 0.25% · 3.875%
HK$36,048
−HK$1,105/mo
Today · 4.125%
HK$37,153
baseline
▲ 0.50% · 4.625%
HK$39,414
+HK$2,261/mo
Deposit HK$5.11M · loan HK$7.67M · min. income ≈ HK$74,306/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$479,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,894
−HK$2,101/mo
▼ 0.25% · 3.875%
HK$39,937
−HK$1,058/mo
Today · 4.125%
HK$40,995
baseline
▲ 0.50% · 4.625%
HK$43,156
+HK$2,161/mo
Deposit HK$5.11M · loan HK$7.67M · min. income ≈ HK$81,990/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$479,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,788
−HK$2,558/mo
▼ 0.25% · 3.875%
HK$42,057
−HK$1,289/mo
Today · 4.125%
HK$43,346
baseline
▲ 0.50% · 4.625%
HK$45,983
+HK$2,637/mo
Deposit HK$3.83M · loan HK$8.94M · min. income ≈ HK$86,692/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$479,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,376
−HK$2,452/mo
▼ 0.25% · 3.875%
HK$46,593
−HK$1,235/mo
Today · 4.125%
HK$47,828
baseline
▲ 0.50% · 4.625%
HK$50,349
+HK$2,521/mo
Deposit HK$3.83M · loan HK$8.94M · min. income ≈ HK$95,656/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$479,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,441
−HK$3,289/mo
▼ 0.25% · 3.875%
HK$54,073
−HK$1,657/mo
Today · 4.125%
HK$55,730
baseline
▲ 0.50% · 4.625%
HK$59,121
+HK$3,391/mo
Deposit HK$1.28M · loan HK$11.50M · min. income ≈ HK$111,460/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$479,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,341
−HK$3,152/mo
▼ 0.25% · 3.875%
HK$59,905
−HK$1,588/mo
Today · 4.125%
HK$61,493
baseline
▲ 0.50% · 4.625%
HK$64,734
+HK$3,241/mo
Deposit HK$1.28M · loan HK$11.50M · min. income ≈ HK$122,986/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$479,127 · Scale 2, in force from 26 Feb 2026)