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$29,060
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$29,964
−HK$919/mo
Today · 4.125%
HK$30,883
baseline
▲ 0.50% · 4.625%
HK$32,762
+HK$1,879/mo
Deposit HK$6.37M · loan HK$6.37M · min. income ≈ HK$61,766/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$477,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,329
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$33,196
−HK$880/mo
Today · 4.125%
HK$34,076
baseline
▲ 0.50% · 4.625%
HK$35,872
+HK$1,796/mo
Deposit HK$6.37M · loan HK$6.37M · min. income ≈ HK$68,152/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$477,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,872
−HK$2,187/mo
▼ 0.25% · 3.875%
HK$35,957
−HK$1,102/mo
Today · 4.125%
HK$37,059
baseline
▲ 0.50% · 4.625%
HK$39,314
+HK$2,255/mo
Deposit HK$5.10M · loan HK$7.65M · min. income ≈ HK$74,118/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$477,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,795
−HK$2,096/mo
▼ 0.25% · 3.875%
HK$39,835
−HK$1,056/mo
Today · 4.125%
HK$40,891
baseline
▲ 0.50% · 4.625%
HK$43,046
+HK$2,155/mo
Deposit HK$5.10M · loan HK$7.65M · min. income ≈ HK$81,782/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$477,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,684
−HK$2,552/mo
▼ 0.25% · 3.875%
HK$41,950
−HK$1,286/mo
Today · 4.125%
HK$43,236
baseline
▲ 0.50% · 4.625%
HK$45,866
+HK$2,630/mo
Deposit HK$3.82M · loan HK$8.92M · min. income ≈ HK$86,472/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$477,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,261
−HK$2,445/mo
▼ 0.25% · 3.875%
HK$46,475
−HK$1,231/mo
Today · 4.125%
HK$47,706
baseline
▲ 0.50% · 4.625%
HK$50,221
+HK$2,515/mo
Deposit HK$3.82M · loan HK$8.92M · min. income ≈ HK$95,412/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$477,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,308
−HK$3,281/mo
▼ 0.25% · 3.875%
HK$53,935
−HK$1,654/mo
Today · 4.125%
HK$55,589
baseline
▲ 0.50% · 4.625%
HK$58,971
+HK$3,382/mo
Deposit HK$1.27M · loan HK$11.47M · min. income ≈ HK$111,178/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$477,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,193
−HK$3,144/mo
▼ 0.25% · 3.875%
HK$59,753
−HK$1,584/mo
Today · 4.125%
HK$61,337
baseline
▲ 0.50% · 4.625%
HK$64,570
+HK$3,233/mo
Deposit HK$1.27M · loan HK$11.47M · min. income ≈ HK$122,674/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$477,911 · Scale 2, in force from 26 Feb 2026)