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$29,142
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$30,048
−HK$921/mo
Today · 4.125%
HK$30,969
baseline
▲ 0.50% · 4.625%
HK$32,854
+HK$1,885/mo
Deposit HK$6.39M · loan HK$6.39M · min. income ≈ HK$61,938/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$479,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,420
−HK$1,752/mo
▼ 0.25% · 3.875%
HK$33,290
−HK$882/mo
Today · 4.125%
HK$34,172
baseline
▲ 0.50% · 4.625%
HK$35,973
+HK$1,801/mo
Deposit HK$6.39M · loan HK$6.39M · min. income ≈ HK$68,344/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$479,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,970
−HK$2,193/mo
▼ 0.25% · 3.875%
HK$36,058
−HK$1,105/mo
Today · 4.125%
HK$37,163
baseline
▲ 0.50% · 4.625%
HK$39,425
+HK$2,262/mo
Deposit HK$5.11M · loan HK$7.67M · min. income ≈ HK$74,326/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$479,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,904
−HK$2,102/mo
▼ 0.25% · 3.875%
HK$39,947
−HK$1,059/mo
Today · 4.125%
HK$41,006
baseline
▲ 0.50% · 4.625%
HK$43,167
+HK$2,161/mo
Deposit HK$5.11M · loan HK$7.67M · min. income ≈ HK$82,012/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$479,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,799
−HK$2,558/mo
▼ 0.25% · 3.875%
HK$42,068
−HK$1,289/mo
Today · 4.125%
HK$43,357
baseline
▲ 0.50% · 4.625%
HK$45,995
+HK$2,638/mo
Deposit HK$3.83M · loan HK$8.95M · min. income ≈ HK$86,714/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$479,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,388
−HK$2,452/mo
▼ 0.25% · 3.875%
HK$46,605
−HK$1,235/mo
Today · 4.125%
HK$47,840
baseline
▲ 0.50% · 4.625%
HK$50,362
+HK$2,522/mo
Deposit HK$3.83M · loan HK$8.95M · min. income ≈ HK$95,680/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$479,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,455
−HK$3,290/mo
▼ 0.25% · 3.875%
HK$54,087
−HK$1,658/mo
Today · 4.125%
HK$55,745
baseline
▲ 0.50% · 4.625%
HK$59,137
+HK$3,392/mo
Deposit HK$1.28M · loan HK$11.50M · min. income ≈ HK$111,490/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$479,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,356
−HK$3,153/mo
▼ 0.25% · 3.875%
HK$59,921
−HK$1,588/mo
Today · 4.125%
HK$61,509
baseline
▲ 0.50% · 4.625%
HK$64,751
+HK$3,242/mo
Deposit HK$1.28M · loan HK$11.50M · min. income ≈ HK$123,018/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$479,254 · Scale 2, in force from 26 Feb 2026)