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$29,023
−HK$1,820/mo
▼ 0.25% · 3.875%
HK$29,926
−HK$917/mo
Today · 4.125%
HK$30,843
baseline
▲ 0.50% · 4.625%
HK$32,720
+HK$1,877/mo
Deposit HK$6.36M · loan HK$6.36M · min. income ≈ HK$61,686/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$477,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,288
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$33,154
−HK$878/mo
Today · 4.125%
HK$34,032
baseline
▲ 0.50% · 4.625%
HK$35,826
+HK$1,794/mo
Deposit HK$6.36M · loan HK$6.36M · min. income ≈ HK$68,064/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$477,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,828
−HK$2,184/mo
▼ 0.25% · 3.875%
HK$35,911
−HK$1,101/mo
Today · 4.125%
HK$37,012
baseline
▲ 0.50% · 4.625%
HK$39,264
+HK$2,252/mo
Deposit HK$5.09M · loan HK$7.64M · min. income ≈ HK$74,024/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$477,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,745
−HK$2,094/mo
▼ 0.25% · 3.875%
HK$39,784
−HK$1,055/mo
Today · 4.125%
HK$40,839
baseline
▲ 0.50% · 4.625%
HK$42,991
+HK$2,152/mo
Deposit HK$5.09M · loan HK$7.64M · min. income ≈ HK$81,678/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$477,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,632
−HK$2,548/mo
▼ 0.25% · 3.875%
HK$41,896
−HK$1,284/mo
Today · 4.125%
HK$43,180
baseline
▲ 0.50% · 4.625%
HK$45,807
+HK$2,627/mo
Deposit HK$3.82M · loan HK$8.91M · min. income ≈ HK$86,360/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$477,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,203
−HK$2,442/mo
▼ 0.25% · 3.875%
HK$46,415
−HK$1,230/mo
Today · 4.125%
HK$47,645
baseline
▲ 0.50% · 4.625%
HK$50,156
+HK$2,511/mo
Deposit HK$3.82M · loan HK$8.91M · min. income ≈ HK$95,290/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$477,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,241
−HK$3,276/mo
▼ 0.25% · 3.875%
HK$53,866
−HK$1,651/mo
Today · 4.125%
HK$55,517
baseline
▲ 0.50% · 4.625%
HK$58,895
+HK$3,378/mo
Deposit HK$1.27M · loan HK$11.46M · min. income ≈ HK$111,034/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$477,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,118
−HK$3,140/mo
▼ 0.25% · 3.875%
HK$59,677
−HK$1,581/mo
Today · 4.125%
HK$61,258
baseline
▲ 0.50% · 4.625%
HK$64,487
+HK$3,229/mo
Deposit HK$1.27M · loan HK$11.46M · min. income ≈ HK$122,516/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$477,298 · Scale 2, in force from 26 Feb 2026)