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$29,156
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$30,063
−HK$921/mo
Today · 4.125%
HK$30,984
baseline
▲ 0.50% · 4.625%
HK$32,869
+HK$1,885/mo
Deposit HK$6.39M · loan HK$6.39M · min. income ≈ HK$61,968/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$479,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,435
−HK$1,753/mo
▼ 0.25% · 3.875%
HK$33,305
−HK$883/mo
Today · 4.125%
HK$34,188
baseline
▲ 0.50% · 4.625%
HK$35,990
+HK$1,802/mo
Deposit HK$6.39M · loan HK$6.39M · min. income ≈ HK$68,376/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$479,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,987
−HK$2,194/mo
▼ 0.25% · 3.875%
HK$36,075
−HK$1,106/mo
Today · 4.125%
HK$37,181
baseline
▲ 0.50% · 4.625%
HK$39,443
+HK$2,262/mo
Deposit HK$5.11M · loan HK$7.67M · min. income ≈ HK$74,362/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$479,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,922
−HK$2,103/mo
▼ 0.25% · 3.875%
HK$39,966
−HK$1,059/mo
Today · 4.125%
HK$41,025
baseline
▲ 0.50% · 4.625%
HK$43,188
+HK$2,163/mo
Deposit HK$5.11M · loan HK$7.67M · min. income ≈ HK$82,050/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$479,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,818
−HK$2,559/mo
▼ 0.25% · 3.875%
HK$42,088
−HK$1,289/mo
Today · 4.125%
HK$43,377
baseline
▲ 0.50% · 4.625%
HK$46,017
+HK$2,640/mo
Deposit HK$3.84M · loan HK$8.95M · min. income ≈ HK$86,754/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$479,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,409
−HK$2,454/mo
▼ 0.25% · 3.875%
HK$46,627
−HK$1,236/mo
Today · 4.125%
HK$47,863
baseline
▲ 0.50% · 4.625%
HK$50,386
+HK$2,523/mo
Deposit HK$3.84M · loan HK$8.95M · min. income ≈ HK$95,726/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$479,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,480
−HK$3,291/mo
▼ 0.25% · 3.875%
HK$54,113
−HK$1,658/mo
Today · 4.125%
HK$55,771
baseline
▲ 0.50% · 4.625%
HK$59,165
+HK$3,394/mo
Deposit HK$1.28M · loan HK$11.51M · min. income ≈ HK$111,542/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$479,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,384
−HK$3,154/mo
▼ 0.25% · 3.875%
HK$59,949
−HK$1,589/mo
Today · 4.125%
HK$61,538
baseline
▲ 0.50% · 4.625%
HK$64,782
+HK$3,244/mo
Deposit HK$1.28M · loan HK$11.51M · min. income ≈ HK$123,076/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$479,480 · Scale 2, in force from 26 Feb 2026)