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$29,057
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$29,961
−HK$918/mo
Today · 4.125%
HK$30,879
baseline
▲ 0.50% · 4.625%
HK$32,758
+HK$1,879/mo
Deposit HK$6.37M · loan HK$6.37M · min. income ≈ HK$61,758/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$477,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,326
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$33,193
−HK$879/mo
Today · 4.125%
HK$34,072
baseline
▲ 0.50% · 4.625%
HK$35,868
+HK$1,796/mo
Deposit HK$6.37M · loan HK$6.37M · min. income ≈ HK$68,144/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$477,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,869
−HK$2,186/mo
▼ 0.25% · 3.875%
HK$35,953
−HK$1,102/mo
Today · 4.125%
HK$37,055
baseline
▲ 0.50% · 4.625%
HK$39,310
+HK$2,255/mo
Deposit HK$5.10M · loan HK$7.65M · min. income ≈ HK$74,110/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$477,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,791
−HK$2,096/mo
▼ 0.25% · 3.875%
HK$39,831
−HK$1,056/mo
Today · 4.125%
HK$40,887
baseline
▲ 0.50% · 4.625%
HK$43,042
+HK$2,155/mo
Deposit HK$5.10M · loan HK$7.65M · min. income ≈ HK$81,774/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$477,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,680
−HK$2,551/mo
▼ 0.25% · 3.875%
HK$41,946
−HK$1,285/mo
Today · 4.125%
HK$43,231
baseline
▲ 0.50% · 4.625%
HK$45,862
+HK$2,631/mo
Deposit HK$3.82M · loan HK$8.92M · min. income ≈ HK$86,462/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$477,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,256
−HK$2,445/mo
▼ 0.25% · 3.875%
HK$46,470
−HK$1,231/mo
Today · 4.125%
HK$47,701
baseline
▲ 0.50% · 4.625%
HK$50,216
+HK$2,515/mo
Deposit HK$3.82M · loan HK$8.92M · min. income ≈ HK$95,402/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$477,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,303
−HK$3,280/mo
▼ 0.25% · 3.875%
HK$53,930
−HK$1,653/mo
Today · 4.125%
HK$55,583
baseline
▲ 0.50% · 4.625%
HK$58,965
+HK$3,382/mo
Deposit HK$1.27M · loan HK$11.47M · min. income ≈ HK$111,166/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$477,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,187
−HK$3,143/mo
▼ 0.25% · 3.875%
HK$59,747
−HK$1,583/mo
Today · 4.125%
HK$61,330
baseline
▲ 0.50% · 4.625%
HK$64,563
+HK$3,233/mo
Deposit HK$1.27M · loan HK$11.47M · min. income ≈ HK$122,660/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$477,862 · Scale 2, in force from 26 Feb 2026)