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$1,828/mo
▼ 0.25% · 3.875%
HK$30,071
−HK$921/mo
Today · 4.125%
HK$30,992
baseline
▲ 0.50% · 4.625%
HK$32,878
+HK$1,886/mo
Deposit HK$6.39M · loan HK$6.39M · min. income ≈ HK$61,984/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$479,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,444
−HK$1,753/mo
▼ 0.25% · 3.875%
HK$33,314
−HK$883/mo
Today · 4.125%
HK$34,197
baseline
▲ 0.50% · 4.625%
HK$36,000
+HK$1,803/mo
Deposit HK$6.39M · loan HK$6.39M · min. income ≈ HK$68,394/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$479,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,996
−HK$2,195/mo
▼ 0.25% · 3.875%
HK$36,085
−HK$1,106/mo
Today · 4.125%
HK$37,191
baseline
▲ 0.50% · 4.625%
HK$39,454
+HK$2,263/mo
Deposit HK$5.12M · loan HK$7.67M · min. income ≈ HK$74,382/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$479,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,933
−HK$2,103/mo
▼ 0.25% · 3.875%
HK$39,977
−HK$1,059/mo
Today · 4.125%
HK$41,036
baseline
▲ 0.50% · 4.625%
HK$43,200
+HK$2,164/mo
Deposit HK$5.12M · loan HK$7.67M · min. income ≈ HK$82,072/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$479,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,829
−HK$2,560/mo
▼ 0.25% · 3.875%
HK$42,099
−HK$1,290/mo
Today · 4.125%
HK$43,389
baseline
▲ 0.50% · 4.625%
HK$46,029
+HK$2,640/mo
Deposit HK$3.84M · loan HK$8.95M · min. income ≈ HK$86,778/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$479,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,422
−HK$2,454/mo
▼ 0.25% · 3.875%
HK$46,640
−HK$1,236/mo
Today · 4.125%
HK$47,876
baseline
▲ 0.50% · 4.625%
HK$50,399
+HK$2,523/mo
Deposit HK$3.84M · loan HK$8.95M · min. income ≈ HK$95,752/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$479,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,494
−HK$3,292/mo
▼ 0.25% · 3.875%
HK$54,127
−HK$1,659/mo
Today · 4.125%
HK$55,786
baseline
▲ 0.50% · 4.625%
HK$59,181
+HK$3,395/mo
Deposit HK$1.28M · loan HK$11.51M · min. income ≈ HK$111,572/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$479,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,400
−HK$3,155/mo
▼ 0.25% · 3.875%
HK$59,966
−HK$1,589/mo
Today · 4.125%
HK$61,555
baseline
▲ 0.50% · 4.625%
HK$64,799
+HK$3,244/mo
Deposit HK$1.28M · loan HK$11.51M · min. income ≈ HK$123,110/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$479,610 · Scale 2, in force from 26 Feb 2026)