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$29,041
−HK$1,821/mo
▼ 0.25% · 3.875%
HK$29,944
−HK$918/mo
Today · 4.125%
HK$30,862
baseline
▲ 0.50% · 4.625%
HK$32,740
+HK$1,878/mo
Deposit HK$6.37M · loan HK$6.37M · min. income ≈ HK$61,724/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$477,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,308
−HK$1,745/mo
▼ 0.25% · 3.875%
HK$33,174
−HK$879/mo
Today · 4.125%
HK$34,053
baseline
▲ 0.50% · 4.625%
HK$35,848
+HK$1,795/mo
Deposit HK$6.37M · loan HK$6.37M · min. income ≈ HK$68,106/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$477,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,849
−HK$2,185/mo
▼ 0.25% · 3.875%
HK$35,933
−HK$1,101/mo
Today · 4.125%
HK$37,034
baseline
▲ 0.50% · 4.625%
HK$39,288
+HK$2,254/mo
Deposit HK$5.09M · loan HK$7.64M · min. income ≈ HK$74,068/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$477,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,769
−HK$2,095/mo
▼ 0.25% · 3.875%
HK$39,809
−HK$1,055/mo
Today · 4.125%
HK$40,864
baseline
▲ 0.50% · 4.625%
HK$43,018
+HK$2,154/mo
Deposit HK$5.09M · loan HK$7.64M · min. income ≈ HK$81,728/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$477,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,657
−HK$2,550/mo
▼ 0.25% · 3.875%
HK$41,922
−HK$1,285/mo
Today · 4.125%
HK$43,207
baseline
▲ 0.50% · 4.625%
HK$45,836
+HK$2,629/mo
Deposit HK$3.82M · loan HK$8.92M · min. income ≈ HK$86,414/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$477,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,231
−HK$2,443/mo
▼ 0.25% · 3.875%
HK$46,444
−HK$1,230/mo
Today · 4.125%
HK$47,674
baseline
▲ 0.50% · 4.625%
HK$50,187
+HK$2,513/mo
Deposit HK$3.82M · loan HK$8.92M · min. income ≈ HK$95,348/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$477,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,273
−HK$3,278/mo
▼ 0.25% · 3.875%
HK$53,899
−HK$1,652/mo
Today · 4.125%
HK$55,551
baseline
▲ 0.50% · 4.625%
HK$58,932
+HK$3,381/mo
Deposit HK$1.27M · loan HK$11.46M · min. income ≈ HK$111,102/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$477,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,154
−HK$3,141/mo
▼ 0.25% · 3.875%
HK$59,713
−HK$1,582/mo
Today · 4.125%
HK$61,295
baseline
▲ 0.50% · 4.625%
HK$64,526
+HK$3,231/mo
Deposit HK$1.27M · loan HK$11.46M · min. income ≈ HK$122,590/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$477,591 · Scale 2, in force from 26 Feb 2026)