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$29,131
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$30,037
−HK$921/mo
Today · 4.125%
HK$30,958
baseline
▲ 0.50% · 4.625%
HK$32,841
+HK$1,883/mo
Deposit HK$6.39M · loan HK$6.39M · min. income ≈ HK$61,916/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$479,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,408
−HK$1,751/mo
▼ 0.25% · 3.875%
HK$33,277
−HK$882/mo
Today · 4.125%
HK$34,159
baseline
▲ 0.50% · 4.625%
HK$35,959
+HK$1,800/mo
Deposit HK$6.39M · loan HK$6.39M · min. income ≈ HK$68,318/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$479,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,957
−HK$2,192/mo
▼ 0.25% · 3.875%
HK$36,044
−HK$1,105/mo
Today · 4.125%
HK$37,149
baseline
▲ 0.50% · 4.625%
HK$39,410
+HK$2,261/mo
Deposit HK$5.11M · loan HK$7.67M · min. income ≈ HK$74,298/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$479,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,889
−HK$2,101/mo
▼ 0.25% · 3.875%
HK$39,932
−HK$1,058/mo
Today · 4.125%
HK$40,990
baseline
▲ 0.50% · 4.625%
HK$43,151
+HK$2,161/mo
Deposit HK$5.11M · loan HK$7.67M · min. income ≈ HK$81,980/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$479,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,783
−HK$2,558/mo
▼ 0.25% · 3.875%
HK$42,052
−HK$1,289/mo
Today · 4.125%
HK$43,341
baseline
▲ 0.50% · 4.625%
HK$45,978
+HK$2,637/mo
Deposit HK$3.83M · loan HK$8.94M · min. income ≈ HK$86,682/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$479,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,371
−HK$2,451/mo
▼ 0.25% · 3.875%
HK$46,588
−HK$1,234/mo
Today · 4.125%
HK$47,822
baseline
▲ 0.50% · 4.625%
HK$50,343
+HK$2,521/mo
Deposit HK$3.83M · loan HK$8.94M · min. income ≈ HK$95,644/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$479,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,436
−HK$3,288/mo
▼ 0.25% · 3.875%
HK$54,067
−HK$1,657/mo
Today · 4.125%
HK$55,724
baseline
▲ 0.50% · 4.625%
HK$59,114
+HK$3,390/mo
Deposit HK$1.28M · loan HK$11.50M · min. income ≈ HK$111,448/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$479,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,334
−HK$3,152/mo
▼ 0.25% · 3.875%
HK$59,899
−HK$1,587/mo
Today · 4.125%
HK$61,486
baseline
▲ 0.50% · 4.625%
HK$64,727
+HK$3,241/mo
Deposit HK$1.28M · loan HK$11.50M · min. income ≈ HK$122,972/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$479,073 · Scale 2, in force from 26 Feb 2026)