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$29,164
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$30,071
−HK$922/mo
Today · 4.125%
HK$30,993
baseline
▲ 0.50% · 4.625%
HK$32,879
+HK$1,886/mo
Deposit HK$6.39M · loan HK$6.39M · min. income ≈ HK$61,986/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$479,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,445
−HK$1,753/mo
▼ 0.25% · 3.875%
HK$33,315
−HK$883/mo
Today · 4.125%
HK$34,198
baseline
▲ 0.50% · 4.625%
HK$36,000
+HK$1,802/mo
Deposit HK$6.39M · loan HK$6.39M · min. income ≈ HK$68,396/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$479,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,997
−HK$2,195/mo
▼ 0.25% · 3.875%
HK$36,085
−HK$1,107/mo
Today · 4.125%
HK$37,192
baseline
▲ 0.50% · 4.625%
HK$39,455
+HK$2,263/mo
Deposit HK$5.12M · loan HK$7.67M · min. income ≈ HK$74,384/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$479,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,934
−HK$2,103/mo
▼ 0.25% · 3.875%
HK$39,978
−HK$1,059/mo
Today · 4.125%
HK$41,037
baseline
▲ 0.50% · 4.625%
HK$43,200
+HK$2,163/mo
Deposit HK$5.12M · loan HK$7.67M · min. income ≈ HK$82,074/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$479,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,830
−HK$2,560/mo
▼ 0.25% · 3.875%
HK$42,100
−HK$1,290/mo
Today · 4.125%
HK$43,390
baseline
▲ 0.50% · 4.625%
HK$46,030
+HK$2,640/mo
Deposit HK$3.84M · loan HK$8.95M · min. income ≈ HK$86,780/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$479,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,423
−HK$2,454/mo
▼ 0.25% · 3.875%
HK$46,641
−HK$1,236/mo
Today · 4.125%
HK$47,877
baseline
▲ 0.50% · 4.625%
HK$50,400
+HK$2,523/mo
Deposit HK$3.84M · loan HK$8.95M · min. income ≈ HK$95,754/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$479,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,495
−HK$3,292/mo
▼ 0.25% · 3.875%
HK$54,128
−HK$1,659/mo
Today · 4.125%
HK$55,787
baseline
▲ 0.50% · 4.625%
HK$59,182
+HK$3,395/mo
Deposit HK$1.28M · loan HK$11.51M · min. income ≈ HK$111,574/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$479,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,401
−HK$3,155/mo
▼ 0.25% · 3.875%
HK$59,967
−HK$1,589/mo
Today · 4.125%
HK$61,556
baseline
▲ 0.50% · 4.625%
HK$64,800
+HK$3,244/mo
Deposit HK$1.28M · loan HK$11.51M · min. income ≈ HK$123,112/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$479,619 · Scale 2, in force from 26 Feb 2026)