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$29,010
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$29,912
−HK$917/mo
Today · 4.125%
HK$30,829
baseline
▲ 0.50% · 4.625%
HK$32,705
+HK$1,876/mo
Deposit HK$6.36M · loan HK$6.36M · min. income ≈ HK$61,658/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$477,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,273
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$33,138
−HK$879/mo
Today · 4.125%
HK$34,017
baseline
▲ 0.50% · 4.625%
HK$35,810
+HK$1,793/mo
Deposit HK$6.36M · loan HK$6.36M · min. income ≈ HK$68,034/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$477,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,812
−HK$2,183/mo
▼ 0.25% · 3.875%
HK$35,894
−HK$1,101/mo
Today · 4.125%
HK$36,995
baseline
▲ 0.50% · 4.625%
HK$39,246
+HK$2,251/mo
Deposit HK$5.09M · loan HK$7.63M · min. income ≈ HK$73,990/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$477,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,728
−HK$2,092/mo
▼ 0.25% · 3.875%
HK$39,766
−HK$1,054/mo
Today · 4.125%
HK$40,820
baseline
▲ 0.50% · 4.625%
HK$42,972
+HK$2,152/mo
Deposit HK$5.09M · loan HK$7.63M · min. income ≈ HK$81,640/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$477,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,613
−HK$2,547/mo
▼ 0.25% · 3.875%
HK$41,877
−HK$1,283/mo
Today · 4.125%
HK$43,160
baseline
▲ 0.50% · 4.625%
HK$45,787
+HK$2,627/mo
Deposit HK$3.82M · loan HK$8.91M · min. income ≈ HK$86,320/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$477,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,182
−HK$2,441/mo
▼ 0.25% · 3.875%
HK$46,394
−HK$1,229/mo
Today · 4.125%
HK$47,623
baseline
▲ 0.50% · 4.625%
HK$50,133
+HK$2,510/mo
Deposit HK$3.82M · loan HK$8.91M · min. income ≈ HK$95,246/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$477,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,217
−HK$3,275/mo
▼ 0.25% · 3.875%
HK$53,842
−HK$1,650/mo
Today · 4.125%
HK$55,492
baseline
▲ 0.50% · 4.625%
HK$58,868
+HK$3,376/mo
Deposit HK$1.27M · loan HK$11.45M · min. income ≈ HK$110,984/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$477,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,091
−HK$3,139/mo
▼ 0.25% · 3.875%
HK$59,649
−HK$1,581/mo
Today · 4.125%
HK$61,230
baseline
▲ 0.50% · 4.625%
HK$64,457
+HK$3,227/mo
Deposit HK$1.27M · loan HK$11.45M · min. income ≈ HK$122,460/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$477,079 · Scale 2, in force from 26 Feb 2026)