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$29,129
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$30,035
−HK$921/mo
Today · 4.125%
HK$30,956
baseline
▲ 0.50% · 4.625%
HK$32,840
+HK$1,884/mo
Deposit HK$6.39M · loan HK$6.39M · min. income ≈ HK$61,912/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$479,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,406
−HK$1,751/mo
▼ 0.25% · 3.875%
HK$33,275
−HK$882/mo
Today · 4.125%
HK$34,157
baseline
▲ 0.50% · 4.625%
HK$35,957
+HK$1,800/mo
Deposit HK$6.39M · loan HK$6.39M · min. income ≈ HK$68,314/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$479,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,955
−HK$2,192/mo
▼ 0.25% · 3.875%
HK$36,043
−HK$1,104/mo
Today · 4.125%
HK$37,147
baseline
▲ 0.50% · 4.625%
HK$39,408
+HK$2,261/mo
Deposit HK$5.11M · loan HK$7.66M · min. income ≈ HK$74,294/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$479,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,887
−HK$2,101/mo
▼ 0.25% · 3.875%
HK$39,930
−HK$1,058/mo
Today · 4.125%
HK$40,988
baseline
▲ 0.50% · 4.625%
HK$43,149
+HK$2,161/mo
Deposit HK$5.11M · loan HK$7.66M · min. income ≈ HK$81,976/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$479,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,781
−HK$2,557/mo
▼ 0.25% · 3.875%
HK$42,050
−HK$1,288/mo
Today · 4.125%
HK$43,338
baseline
▲ 0.50% · 4.625%
HK$45,975
+HK$2,637/mo
Deposit HK$3.83M · loan HK$8.94M · min. income ≈ HK$86,676/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$479,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,369
−HK$2,451/mo
▼ 0.25% · 3.875%
HK$46,585
−HK$1,235/mo
Today · 4.125%
HK$47,820
baseline
▲ 0.50% · 4.625%
HK$50,340
+HK$2,520/mo
Deposit HK$3.83M · loan HK$8.94M · min. income ≈ HK$95,640/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$479,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,433
−HK$3,288/mo
▼ 0.25% · 3.875%
HK$54,064
−HK$1,657/mo
Today · 4.125%
HK$55,721
baseline
▲ 0.50% · 4.625%
HK$59,111
+HK$3,390/mo
Deposit HK$1.28M · loan HK$11.50M · min. income ≈ HK$111,442/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$479,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,331
−HK$3,151/mo
▼ 0.25% · 3.875%
HK$59,895
−HK$1,587/mo
Today · 4.125%
HK$61,482
baseline
▲ 0.50% · 4.625%
HK$64,723
+HK$3,241/mo
Deposit HK$1.28M · loan HK$11.50M · min. income ≈ HK$122,964/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$479,048 · Scale 2, in force from 26 Feb 2026)