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$29,151
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$30,058
−HK$921/mo
Today · 4.125%
HK$30,979
baseline
▲ 0.50% · 4.625%
HK$32,864
+HK$1,885/mo
Deposit HK$6.39M · loan HK$6.39M · min. income ≈ HK$61,958/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$479,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,431
−HK$1,752/mo
▼ 0.25% · 3.875%
HK$33,300
−HK$883/mo
Today · 4.125%
HK$34,183
baseline
▲ 0.50% · 4.625%
HK$35,984
+HK$1,801/mo
Deposit HK$6.39M · loan HK$6.39M · min. income ≈ HK$68,366/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$479,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,982
−HK$2,193/mo
▼ 0.25% · 3.875%
HK$36,070
−HK$1,105/mo
Today · 4.125%
HK$37,175
baseline
▲ 0.50% · 4.625%
HK$39,437
+HK$2,262/mo
Deposit HK$5.11M · loan HK$7.67M · min. income ≈ HK$74,350/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$479,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,917
−HK$2,102/mo
▼ 0.25% · 3.875%
HK$39,960
−HK$1,059/mo
Today · 4.125%
HK$41,019
baseline
▲ 0.50% · 4.625%
HK$43,181
+HK$2,162/mo
Deposit HK$5.11M · loan HK$7.67M · min. income ≈ HK$82,038/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$479,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,812
−HK$2,559/mo
▼ 0.25% · 3.875%
HK$42,081
−HK$1,290/mo
Today · 4.125%
HK$43,371
baseline
▲ 0.50% · 4.625%
HK$46,010
+HK$2,639/mo
Deposit HK$3.84M · loan HK$8.95M · min. income ≈ HK$86,742/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$479,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,403
−HK$2,453/mo
▼ 0.25% · 3.875%
HK$46,620
−HK$1,236/mo
Today · 4.125%
HK$47,856
baseline
▲ 0.50% · 4.625%
HK$50,378
+HK$2,522/mo
Deposit HK$3.84M · loan HK$8.95M · min. income ≈ HK$95,712/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$479,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,472
−HK$3,291/mo
▼ 0.25% · 3.875%
HK$54,105
−HK$1,658/mo
Today · 4.125%
HK$55,763
baseline
▲ 0.50% · 4.625%
HK$59,156
+HK$3,393/mo
Deposit HK$1.28M · loan HK$11.51M · min. income ≈ HK$111,526/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$479,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,375
−HK$3,154/mo
▼ 0.25% · 3.875%
HK$59,941
−HK$1,588/mo
Today · 4.125%
HK$61,529
baseline
▲ 0.50% · 4.625%
HK$64,772
+HK$3,243/mo
Deposit HK$1.28M · loan HK$11.51M · min. income ≈ HK$123,058/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$479,409 · Scale 2, in force from 26 Feb 2026)