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$29,031
−HK$1,821/mo
▼ 0.25% · 3.875%
HK$29,934
−HK$918/mo
Today · 4.125%
HK$30,852
baseline
▲ 0.50% · 4.625%
HK$32,729
+HK$1,877/mo
Deposit HK$6.37M · loan HK$6.37M · min. income ≈ HK$61,704/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$477,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,297
−HK$1,745/mo
▼ 0.25% · 3.875%
HK$33,163
−HK$879/mo
Today · 4.125%
HK$34,042
baseline
▲ 0.50% · 4.625%
HK$35,836
+HK$1,794/mo
Deposit HK$6.37M · loan HK$6.37M · min. income ≈ HK$68,084/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$477,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,838
−HK$2,184/mo
▼ 0.25% · 3.875%
HK$35,921
−HK$1,101/mo
Today · 4.125%
HK$37,022
baseline
▲ 0.50% · 4.625%
HK$39,275
+HK$2,253/mo
Deposit HK$5.09M · loan HK$7.64M · min. income ≈ HK$74,044/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$477,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,756
−HK$2,094/mo
▼ 0.25% · 3.875%
HK$39,796
−HK$1,054/mo
Today · 4.125%
HK$40,850
baseline
▲ 0.50% · 4.625%
HK$43,004
+HK$2,154/mo
Deposit HK$5.09M · loan HK$7.64M · min. income ≈ HK$81,700/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$477,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,644
−HK$2,549/mo
▼ 0.25% · 3.875%
HK$41,908
−HK$1,285/mo
Today · 4.125%
HK$43,193
baseline
▲ 0.50% · 4.625%
HK$45,821
+HK$2,628/mo
Deposit HK$3.82M · loan HK$8.91M · min. income ≈ HK$86,386/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$477,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,216
−HK$2,443/mo
▼ 0.25% · 3.875%
HK$46,429
−HK$1,230/mo
Today · 4.125%
HK$47,659
baseline
▲ 0.50% · 4.625%
HK$50,171
+HK$2,512/mo
Deposit HK$3.82M · loan HK$8.91M · min. income ≈ HK$95,318/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$477,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,256
−HK$3,277/mo
▼ 0.25% · 3.875%
HK$53,882
−HK$1,651/mo
Today · 4.125%
HK$55,533
baseline
▲ 0.50% · 4.625%
HK$58,912
+HK$3,379/mo
Deposit HK$1.27M · loan HK$11.46M · min. income ≈ HK$111,066/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$477,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,135
−HK$3,141/mo
▼ 0.25% · 3.875%
HK$59,694
−HK$1,582/mo
Today · 4.125%
HK$61,276
baseline
▲ 0.50% · 4.625%
HK$64,505
+HK$3,229/mo
Deposit HK$1.27M · loan HK$11.46M · min. income ≈ HK$122,552/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$477,435 · Scale 2, in force from 26 Feb 2026)