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$29,050
−HK$1,821/mo
▼ 0.25% · 3.875%
HK$29,953
−HK$918/mo
Today · 4.125%
HK$30,871
baseline
▲ 0.50% · 4.625%
HK$32,750
+HK$1,879/mo
Deposit HK$6.37M · loan HK$6.37M · min. income ≈ HK$61,742/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$477,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,318
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$33,184
−HK$880/mo
Today · 4.125%
HK$34,064
baseline
▲ 0.50% · 4.625%
HK$35,859
+HK$1,795/mo
Deposit HK$6.37M · loan HK$6.37M · min. income ≈ HK$68,128/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$477,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,860
−HK$2,186/mo
▼ 0.25% · 3.875%
HK$35,944
−HK$1,102/mo
Today · 4.125%
HK$37,046
baseline
▲ 0.50% · 4.625%
HK$39,300
+HK$2,254/mo
Deposit HK$5.10M · loan HK$7.64M · min. income ≈ HK$74,092/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$477,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,781
−HK$2,095/mo
▼ 0.25% · 3.875%
HK$39,821
−HK$1,055/mo
Today · 4.125%
HK$40,876
baseline
▲ 0.50% · 4.625%
HK$43,031
+HK$2,155/mo
Deposit HK$5.10M · loan HK$7.64M · min. income ≈ HK$81,752/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$477,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,670
−HK$2,550/mo
▼ 0.25% · 3.875%
HK$41,935
−HK$1,285/mo
Today · 4.125%
HK$43,220
baseline
▲ 0.50% · 4.625%
HK$45,850
+HK$2,630/mo
Deposit HK$3.82M · loan HK$8.92M · min. income ≈ HK$86,440/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$477,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,245
−HK$2,444/mo
▼ 0.25% · 3.875%
HK$46,458
−HK$1,231/mo
Today · 4.125%
HK$47,689
baseline
▲ 0.50% · 4.625%
HK$50,203
+HK$2,514/mo
Deposit HK$3.82M · loan HK$8.92M · min. income ≈ HK$95,378/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$477,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,289
−HK$3,279/mo
▼ 0.25% · 3.875%
HK$53,916
−HK$1,652/mo
Today · 4.125%
HK$55,568
baseline
▲ 0.50% · 4.625%
HK$58,950
+HK$3,382/mo
Deposit HK$1.27M · loan HK$11.47M · min. income ≈ HK$111,136/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$477,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,172
−HK$3,142/mo
▼ 0.25% · 3.875%
HK$59,732
−HK$1,582/mo
Today · 4.125%
HK$61,314
baseline
▲ 0.50% · 4.625%
HK$64,546
+HK$3,232/mo
Deposit HK$1.27M · loan HK$11.47M · min. income ≈ HK$122,628/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$477,738 · Scale 2, in force from 26 Feb 2026)