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$29,029
−HK$1,820/mo
▼ 0.25% · 3.875%
HK$29,932
−HK$917/mo
Today · 4.125%
HK$30,849
baseline
▲ 0.50% · 4.625%
HK$32,726
+HK$1,877/mo
Deposit HK$6.37M · loan HK$6.37M · min. income ≈ HK$61,698/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$477,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,294
−HK$1,745/mo
▼ 0.25% · 3.875%
HK$33,160
−HK$879/mo
Today · 4.125%
HK$34,039
baseline
▲ 0.50% · 4.625%
HK$35,833
+HK$1,794/mo
Deposit HK$6.37M · loan HK$6.37M · min. income ≈ HK$68,078/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$477,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,834
−HK$2,185/mo
▼ 0.25% · 3.875%
HK$35,918
−HK$1,101/mo
Today · 4.125%
HK$37,019
baseline
▲ 0.50% · 4.625%
HK$39,271
+HK$2,252/mo
Deposit HK$5.09M · loan HK$7.64M · min. income ≈ HK$74,038/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$477,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,753
−HK$2,093/mo
▼ 0.25% · 3.875%
HK$39,792
−HK$1,054/mo
Today · 4.125%
HK$40,846
baseline
▲ 0.50% · 4.625%
HK$43,000
+HK$2,154/mo
Deposit HK$5.09M · loan HK$7.64M · min. income ≈ HK$81,692/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$477,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,640
−HK$2,548/mo
▼ 0.25% · 3.875%
HK$41,904
−HK$1,284/mo
Today · 4.125%
HK$43,188
baseline
▲ 0.50% · 4.625%
HK$45,816
+HK$2,628/mo
Deposit HK$3.82M · loan HK$8.91M · min. income ≈ HK$86,376/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$477,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,212
−HK$2,442/mo
▼ 0.25% · 3.875%
HK$46,424
−HK$1,230/mo
Today · 4.125%
HK$47,654
baseline
▲ 0.50% · 4.625%
HK$50,166
+HK$2,512/mo
Deposit HK$3.82M · loan HK$8.91M · min. income ≈ HK$95,308/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$477,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,251
−HK$3,277/mo
▼ 0.25% · 3.875%
HK$53,877
−HK$1,651/mo
Today · 4.125%
HK$55,528
baseline
▲ 0.50% · 4.625%
HK$58,907
+HK$3,379/mo
Deposit HK$1.27M · loan HK$11.46M · min. income ≈ HK$111,056/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$477,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,129
−HK$3,141/mo
▼ 0.25% · 3.875%
HK$59,688
−HK$1,582/mo
Today · 4.125%
HK$61,270
baseline
▲ 0.50% · 4.625%
HK$64,499
+HK$3,229/mo
Deposit HK$1.27M · loan HK$11.46M · min. income ≈ HK$122,540/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$477,390 · Scale 2, in force from 26 Feb 2026)