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$29,033
−HK$1,820/mo
▼ 0.25% · 3.875%
HK$29,936
−HK$917/mo
Today · 4.125%
HK$30,853
baseline
▲ 0.50% · 4.625%
HK$32,731
+HK$1,878/mo
Deposit HK$6.37M · loan HK$6.37M · min. income ≈ HK$61,706/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$477,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,299
−HK$1,745/mo
▼ 0.25% · 3.875%
HK$33,165
−HK$879/mo
Today · 4.125%
HK$34,044
baseline
▲ 0.50% · 4.625%
HK$35,838
+HK$1,794/mo
Deposit HK$6.37M · loan HK$6.37M · min. income ≈ HK$68,088/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$477,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,839
−HK$2,185/mo
▼ 0.25% · 3.875%
HK$35,923
−HK$1,101/mo
Today · 4.125%
HK$37,024
baseline
▲ 0.50% · 4.625%
HK$39,277
+HK$2,253/mo
Deposit HK$5.09M · loan HK$7.64M · min. income ≈ HK$74,048/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$477,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,758
−HK$2,094/mo
▼ 0.25% · 3.875%
HK$39,798
−HK$1,054/mo
Today · 4.125%
HK$40,852
baseline
▲ 0.50% · 4.625%
HK$43,006
+HK$2,154/mo
Deposit HK$5.09M · loan HK$7.64M · min. income ≈ HK$81,704/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$477,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,646
−HK$2,549/mo
▼ 0.25% · 3.875%
HK$41,910
−HK$1,285/mo
Today · 4.125%
HK$43,195
baseline
▲ 0.50% · 4.625%
HK$45,823
+HK$2,628/mo
Deposit HK$3.82M · loan HK$8.91M · min. income ≈ HK$86,390/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$477,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,218
−HK$2,443/mo
▼ 0.25% · 3.875%
HK$46,431
−HK$1,230/mo
Today · 4.125%
HK$47,661
baseline
▲ 0.50% · 4.625%
HK$50,173
+HK$2,512/mo
Deposit HK$3.82M · loan HK$8.91M · min. income ≈ HK$95,322/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$477,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,259
−HK$3,277/mo
▼ 0.25% · 3.875%
HK$53,884
−HK$1,652/mo
Today · 4.125%
HK$55,536
baseline
▲ 0.50% · 4.625%
HK$58,915
+HK$3,379/mo
Deposit HK$1.27M · loan HK$11.46M · min. income ≈ HK$111,072/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$477,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,137
−HK$3,141/mo
▼ 0.25% · 3.875%
HK$59,697
−HK$1,581/mo
Today · 4.125%
HK$61,278
baseline
▲ 0.50% · 4.625%
HK$64,509
+HK$3,231/mo
Deposit HK$1.27M · loan HK$11.46M · min. income ≈ HK$122,556/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$477,459 · Scale 2, in force from 26 Feb 2026)