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$29,150
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$30,057
−HK$921/mo
Today · 4.125%
HK$30,978
baseline
▲ 0.50% · 4.625%
HK$32,863
+HK$1,885/mo
Deposit HK$6.39M · loan HK$6.39M · min. income ≈ HK$61,956/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$479,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,429
−HK$1,752/mo
▼ 0.25% · 3.875%
HK$33,299
−HK$882/mo
Today · 4.125%
HK$34,181
baseline
▲ 0.50% · 4.625%
HK$35,983
+HK$1,802/mo
Deposit HK$6.39M · loan HK$6.39M · min. income ≈ HK$68,362/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$479,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,980
−HK$2,194/mo
▼ 0.25% · 3.875%
HK$36,068
−HK$1,106/mo
Today · 4.125%
HK$37,174
baseline
▲ 0.50% · 4.625%
HK$39,435
+HK$2,261/mo
Deposit HK$5.11M · loan HK$7.67M · min. income ≈ HK$74,348/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$479,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,915
−HK$2,102/mo
▼ 0.25% · 3.875%
HK$39,959
−HK$1,058/mo
Today · 4.125%
HK$41,017
baseline
▲ 0.50% · 4.625%
HK$43,179
+HK$2,162/mo
Deposit HK$5.11M · loan HK$7.67M · min. income ≈ HK$82,034/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$479,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,810
−HK$2,559/mo
▼ 0.25% · 3.875%
HK$42,079
−HK$1,290/mo
Today · 4.125%
HK$43,369
baseline
▲ 0.50% · 4.625%
HK$46,008
+HK$2,639/mo
Deposit HK$3.84M · loan HK$8.95M · min. income ≈ HK$86,738/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$479,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,401
−HK$2,453/mo
▼ 0.25% · 3.875%
HK$46,618
−HK$1,236/mo
Today · 4.125%
HK$47,854
baseline
▲ 0.50% · 4.625%
HK$50,376
+HK$2,522/mo
Deposit HK$3.84M · loan HK$8.95M · min. income ≈ HK$95,708/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$479,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,470
−HK$3,290/mo
▼ 0.25% · 3.875%
HK$54,102
−HK$1,658/mo
Today · 4.125%
HK$55,760
baseline
▲ 0.50% · 4.625%
HK$59,153
+HK$3,393/mo
Deposit HK$1.28M · loan HK$11.51M · min. income ≈ HK$111,520/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$479,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,372
−HK$3,154/mo
▼ 0.25% · 3.875%
HK$59,938
−HK$1,588/mo
Today · 4.125%
HK$61,526
baseline
▲ 0.50% · 4.625%
HK$64,769
+HK$3,243/mo
Deposit HK$1.28M · loan HK$11.51M · min. income ≈ HK$123,052/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$479,387 · Scale 2, in force from 26 Feb 2026)