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$29,049
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$29,953
−HK$918/mo
Today · 4.125%
HK$30,871
baseline
▲ 0.50% · 4.625%
HK$32,750
+HK$1,879/mo
Deposit HK$6.37M · loan HK$6.37M · min. income ≈ HK$61,742/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$477,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,317
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$33,184
−HK$879/mo
Today · 4.125%
HK$34,063
baseline
▲ 0.50% · 4.625%
HK$35,859
+HK$1,796/mo
Deposit HK$6.37M · loan HK$6.37M · min. income ≈ HK$68,126/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$477,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,859
−HK$2,186/mo
▼ 0.25% · 3.875%
HK$35,944
−HK$1,101/mo
Today · 4.125%
HK$37,045
baseline
▲ 0.50% · 4.625%
HK$39,299
+HK$2,254/mo
Deposit HK$5.10M · loan HK$7.64M · min. income ≈ HK$74,090/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$477,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,781
−HK$2,095/mo
▼ 0.25% · 3.875%
HK$39,821
−HK$1,055/mo
Today · 4.125%
HK$40,876
baseline
▲ 0.50% · 4.625%
HK$43,031
+HK$2,155/mo
Deposit HK$5.10M · loan HK$7.64M · min. income ≈ HK$81,752/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$477,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,669
−HK$2,551/mo
▼ 0.25% · 3.875%
HK$41,934
−HK$1,286/mo
Today · 4.125%
HK$43,220
baseline
▲ 0.50% · 4.625%
HK$45,849
+HK$2,629/mo
Deposit HK$3.82M · loan HK$8.92M · min. income ≈ HK$86,440/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$477,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,244
−HK$2,445/mo
▼ 0.25% · 3.875%
HK$46,458
−HK$1,231/mo
Today · 4.125%
HK$47,689
baseline
▲ 0.50% · 4.625%
HK$50,202
+HK$2,513/mo
Deposit HK$3.82M · loan HK$8.92M · min. income ≈ HK$95,378/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$477,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,289
−HK$3,279/mo
▼ 0.25% · 3.875%
HK$53,916
−HK$1,652/mo
Today · 4.125%
HK$55,568
baseline
▲ 0.50% · 4.625%
HK$58,949
+HK$3,381/mo
Deposit HK$1.27M · loan HK$11.47M · min. income ≈ HK$111,136/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$477,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,171
−HK$3,143/mo
▼ 0.25% · 3.875%
HK$59,731
−HK$1,583/mo
Today · 4.125%
HK$61,314
baseline
▲ 0.50% · 4.625%
HK$64,546
+HK$3,232/mo
Deposit HK$1.27M · loan HK$11.47M · min. income ≈ HK$122,628/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$477,734 · Scale 2, in force from 26 Feb 2026)