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$29,034
−HK$1,821/mo
▼ 0.25% · 3.875%
HK$29,937
−HK$918/mo
Today · 4.125%
HK$30,855
baseline
▲ 0.50% · 4.625%
HK$32,733
+HK$1,878/mo
Deposit HK$6.37M · loan HK$6.37M · min. income ≈ HK$61,710/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$477,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,300
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$33,167
−HK$879/mo
Today · 4.125%
HK$34,046
baseline
▲ 0.50% · 4.625%
HK$35,840
+HK$1,794/mo
Deposit HK$6.37M · loan HK$6.37M · min. income ≈ HK$68,092/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$477,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,841
−HK$2,185/mo
▼ 0.25% · 3.875%
HK$35,925
−HK$1,101/mo
Today · 4.125%
HK$37,026
baseline
▲ 0.50% · 4.625%
HK$39,279
+HK$2,253/mo
Deposit HK$5.09M · loan HK$7.64M · min. income ≈ HK$74,052/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$477,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,760
−HK$2,095/mo
▼ 0.25% · 3.875%
HK$39,800
−HK$1,055/mo
Today · 4.125%
HK$40,855
baseline
▲ 0.50% · 4.625%
HK$43,008
+HK$2,153/mo
Deposit HK$5.09M · loan HK$7.64M · min. income ≈ HK$81,710/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$477,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,648
−HK$2,549/mo
▼ 0.25% · 3.875%
HK$41,912
−HK$1,285/mo
Today · 4.125%
HK$43,197
baseline
▲ 0.50% · 4.625%
HK$45,826
+HK$2,629/mo
Deposit HK$3.82M · loan HK$8.91M · min. income ≈ HK$86,394/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$477,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,221
−HK$2,443/mo
▼ 0.25% · 3.875%
HK$46,433
−HK$1,231/mo
Today · 4.125%
HK$47,664
baseline
▲ 0.50% · 4.625%
HK$50,176
+HK$2,512/mo
Deposit HK$3.82M · loan HK$8.91M · min. income ≈ HK$95,328/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$477,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,262
−HK$3,277/mo
▼ 0.25% · 3.875%
HK$53,887
−HK$1,652/mo
Today · 4.125%
HK$55,539
baseline
▲ 0.50% · 4.625%
HK$58,919
+HK$3,380/mo
Deposit HK$1.27M · loan HK$11.46M · min. income ≈ HK$111,078/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$477,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,141
−HK$3,141/mo
▼ 0.25% · 3.875%
HK$59,700
−HK$1,582/mo
Today · 4.125%
HK$61,282
baseline
▲ 0.50% · 4.625%
HK$64,512
+HK$3,230/mo
Deposit HK$1.27M · loan HK$11.46M · min. income ≈ HK$122,564/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$477,485 · Scale 2, in force from 26 Feb 2026)