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$29,042
−HK$1,821/mo
▼ 0.25% · 3.875%
HK$29,945
−HK$918/mo
Today · 4.125%
HK$30,863
baseline
▲ 0.50% · 4.625%
HK$32,741
+HK$1,878/mo
Deposit HK$6.37M · loan HK$6.37M · min. income ≈ HK$61,726/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$477,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,309
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$33,175
−HK$880/mo
Today · 4.125%
HK$34,055
baseline
▲ 0.50% · 4.625%
HK$35,850
+HK$1,795/mo
Deposit HK$6.37M · loan HK$6.37M · min. income ≈ HK$68,110/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$477,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,850
−HK$2,186/mo
▼ 0.25% · 3.875%
HK$35,934
−HK$1,102/mo
Today · 4.125%
HK$37,036
baseline
▲ 0.50% · 4.625%
HK$39,289
+HK$2,253/mo
Deposit HK$5.09M · loan HK$7.64M · min. income ≈ HK$74,072/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$477,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,771
−HK$2,094/mo
▼ 0.25% · 3.875%
HK$39,811
−HK$1,054/mo
Today · 4.125%
HK$40,865
baseline
▲ 0.50% · 4.625%
HK$43,019
+HK$2,154/mo
Deposit HK$5.09M · loan HK$7.64M · min. income ≈ HK$81,730/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$477,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,659
−HK$2,549/mo
▼ 0.25% · 3.875%
HK$41,924
−HK$1,284/mo
Today · 4.125%
HK$43,208
baseline
▲ 0.50% · 4.625%
HK$45,838
+HK$2,630/mo
Deposit HK$3.82M · loan HK$8.92M · min. income ≈ HK$86,416/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$477,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,233
−HK$2,443/mo
▼ 0.25% · 3.875%
HK$46,446
−HK$1,230/mo
Today · 4.125%
HK$47,676
baseline
▲ 0.50% · 4.625%
HK$50,189
+HK$2,513/mo
Deposit HK$3.82M · loan HK$8.92M · min. income ≈ HK$95,352/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$477,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,276
−HK$3,278/mo
▼ 0.25% · 3.875%
HK$53,902
−HK$1,652/mo
Today · 4.125%
HK$55,554
baseline
▲ 0.50% · 4.625%
HK$58,934
+HK$3,380/mo
Deposit HK$1.27M · loan HK$11.46M · min. income ≈ HK$111,108/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$477,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,156
−HK$3,142/mo
▼ 0.25% · 3.875%
HK$59,716
−HK$1,582/mo
Today · 4.125%
HK$61,298
baseline
▲ 0.50% · 4.625%
HK$64,529
+HK$3,231/mo
Deposit HK$1.27M · loan HK$11.46M · min. income ≈ HK$122,596/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$477,611 · Scale 2, in force from 26 Feb 2026)