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$29,032
−HK$1,821/mo
▼ 0.25% · 3.875%
HK$29,935
−HK$918/mo
Today · 4.125%
HK$30,853
baseline
▲ 0.50% · 4.625%
HK$32,730
+HK$1,877/mo
Deposit HK$6.37M · loan HK$6.37M · min. income ≈ HK$61,706/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$477,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,298
−HK$1,745/mo
▼ 0.25% · 3.875%
HK$33,164
−HK$879/mo
Today · 4.125%
HK$34,043
baseline
▲ 0.50% · 4.625%
HK$35,837
+HK$1,794/mo
Deposit HK$6.37M · loan HK$6.37M · min. income ≈ HK$68,086/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$477,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,838
−HK$2,185/mo
▼ 0.25% · 3.875%
HK$35,922
−HK$1,101/mo
Today · 4.125%
HK$37,023
baseline
▲ 0.50% · 4.625%
HK$39,276
+HK$2,253/mo
Deposit HK$5.09M · loan HK$7.64M · min. income ≈ HK$74,046/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$477,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,757
−HK$2,094/mo
▼ 0.25% · 3.875%
HK$39,797
−HK$1,054/mo
Today · 4.125%
HK$40,851
baseline
▲ 0.50% · 4.625%
HK$43,005
+HK$2,154/mo
Deposit HK$5.09M · loan HK$7.64M · min. income ≈ HK$81,702/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$477,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,645
−HK$2,549/mo
▼ 0.25% · 3.875%
HK$41,909
−HK$1,285/mo
Today · 4.125%
HK$43,194
baseline
▲ 0.50% · 4.625%
HK$45,822
+HK$2,628/mo
Deposit HK$3.82M · loan HK$8.91M · min. income ≈ HK$86,388/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$477,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,217
−HK$2,443/mo
▼ 0.25% · 3.875%
HK$46,430
−HK$1,230/mo
Today · 4.125%
HK$47,660
baseline
▲ 0.50% · 4.625%
HK$50,172
+HK$2,512/mo
Deposit HK$3.82M · loan HK$8.91M · min. income ≈ HK$95,320/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$477,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,258
−HK$3,277/mo
▼ 0.25% · 3.875%
HK$53,883
−HK$1,652/mo
Today · 4.125%
HK$55,535
baseline
▲ 0.50% · 4.625%
HK$58,914
+HK$3,379/mo
Deposit HK$1.27M · loan HK$11.46M · min. income ≈ HK$111,070/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$477,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,136
−HK$3,141/mo
▼ 0.25% · 3.875%
HK$59,695
−HK$1,582/mo
Today · 4.125%
HK$61,277
baseline
▲ 0.50% · 4.625%
HK$64,507
+HK$3,230/mo
Deposit HK$1.27M · loan HK$11.46M · min. income ≈ HK$122,554/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$477,447 · Scale 2, in force from 26 Feb 2026)