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$29,047
−HK$1,821/mo
▼ 0.25% · 3.875%
HK$29,950
−HK$918/mo
Today · 4.125%
HK$30,868
baseline
▲ 0.50% · 4.625%
HK$32,747
+HK$1,879/mo
Deposit HK$6.37M · loan HK$6.37M · min. income ≈ HK$61,736/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$477,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,314
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$33,181
−HK$879/mo
Today · 4.125%
HK$34,060
baseline
▲ 0.50% · 4.625%
HK$35,856
+HK$1,796/mo
Deposit HK$6.37M · loan HK$6.37M · min. income ≈ HK$68,120/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$477,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,856
−HK$2,186/mo
▼ 0.25% · 3.875%
HK$35,940
−HK$1,102/mo
Today · 4.125%
HK$37,042
baseline
▲ 0.50% · 4.625%
HK$39,296
+HK$2,254/mo
Deposit HK$5.10M · loan HK$7.64M · min. income ≈ HK$74,084/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$477,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,777
−HK$2,095/mo
▼ 0.25% · 3.875%
HK$39,817
−HK$1,055/mo
Today · 4.125%
HK$40,872
baseline
▲ 0.50% · 4.625%
HK$43,027
+HK$2,155/mo
Deposit HK$5.10M · loan HK$7.64M · min. income ≈ HK$81,744/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$477,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,666
−HK$2,550/mo
▼ 0.25% · 3.875%
HK$41,931
−HK$1,285/mo
Today · 4.125%
HK$43,216
baseline
▲ 0.50% · 4.625%
HK$45,845
+HK$2,629/mo
Deposit HK$3.82M · loan HK$8.92M · min. income ≈ HK$86,432/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$477,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,240
−HK$2,444/mo
▼ 0.25% · 3.875%
HK$46,453
−HK$1,231/mo
Today · 4.125%
HK$47,684
baseline
▲ 0.50% · 4.625%
HK$50,198
+HK$2,514/mo
Deposit HK$3.82M · loan HK$8.92M · min. income ≈ HK$95,368/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$477,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,284
−HK$3,279/mo
▼ 0.25% · 3.875%
HK$53,911
−HK$1,652/mo
Today · 4.125%
HK$55,563
baseline
▲ 0.50% · 4.625%
HK$58,944
+HK$3,381/mo
Deposit HK$1.27M · loan HK$11.46M · min. income ≈ HK$111,126/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$477,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,166
−HK$3,142/mo
▼ 0.25% · 3.875%
HK$59,726
−HK$1,582/mo
Today · 4.125%
HK$61,308
baseline
▲ 0.50% · 4.625%
HK$64,540
+HK$3,232/mo
Deposit HK$1.27M · loan HK$11.46M · min. income ≈ HK$122,616/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$477,692 · Scale 2, in force from 26 Feb 2026)