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$29,138
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$30,045
−HK$921/mo
Today · 4.125%
HK$30,966
baseline
▲ 0.50% · 4.625%
HK$32,850
+HK$1,884/mo
Deposit HK$6.39M · loan HK$6.39M · min. income ≈ HK$61,932/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$479,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,416
−HK$1,751/mo
▼ 0.25% · 3.875%
HK$33,285
−HK$882/mo
Today · 4.125%
HK$34,167
baseline
▲ 0.50% · 4.625%
HK$35,968
+HK$1,801/mo
Deposit HK$6.39M · loan HK$6.39M · min. income ≈ HK$68,334/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$479,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,966
−HK$2,193/mo
▼ 0.25% · 3.875%
HK$36,054
−HK$1,105/mo
Today · 4.125%
HK$37,159
baseline
▲ 0.50% · 4.625%
HK$39,420
+HK$2,261/mo
Deposit HK$5.11M · loan HK$7.67M · min. income ≈ HK$74,318/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$479,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,899
−HK$2,102/mo
▼ 0.25% · 3.875%
HK$39,943
−HK$1,058/mo
Today · 4.125%
HK$41,001
baseline
▲ 0.50% · 4.625%
HK$43,162
+HK$2,161/mo
Deposit HK$5.11M · loan HK$7.67M · min. income ≈ HK$82,002/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$479,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,794
−HK$2,558/mo
▼ 0.25% · 3.875%
HK$42,063
−HK$1,289/mo
Today · 4.125%
HK$43,352
baseline
▲ 0.50% · 4.625%
HK$45,990
+HK$2,638/mo
Deposit HK$3.83M · loan HK$8.94M · min. income ≈ HK$86,704/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$479,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,383
−HK$2,451/mo
▼ 0.25% · 3.875%
HK$46,600
−HK$1,234/mo
Today · 4.125%
HK$47,834
baseline
▲ 0.50% · 4.625%
HK$50,356
+HK$2,522/mo
Deposit HK$3.83M · loan HK$8.94M · min. income ≈ HK$95,668/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$479,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,449
−HK$3,289/mo
▼ 0.25% · 3.875%
HK$54,080
−HK$1,658/mo
Today · 4.125%
HK$55,738
baseline
▲ 0.50% · 4.625%
HK$59,130
+HK$3,392/mo
Deposit HK$1.28M · loan HK$11.50M · min. income ≈ HK$111,476/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$479,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,349
−HK$3,152/mo
▼ 0.25% · 3.875%
HK$59,914
−HK$1,587/mo
Today · 4.125%
HK$61,501
baseline
▲ 0.50% · 4.625%
HK$64,743
+HK$3,242/mo
Deposit HK$1.28M · loan HK$11.50M · min. income ≈ HK$123,002/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$479,195 · Scale 2, in force from 26 Feb 2026)