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$29,028
−HK$1,820/mo
▼ 0.25% · 3.875%
HK$29,931
−HK$917/mo
Today · 4.125%
HK$30,848
baseline
▲ 0.50% · 4.625%
HK$32,725
+HK$1,877/mo
Deposit HK$6.37M · loan HK$6.37M · min. income ≈ HK$61,696/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$477,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,293
−HK$1,745/mo
▼ 0.25% · 3.875%
HK$33,159
−HK$879/mo
Today · 4.125%
HK$34,038
baseline
▲ 0.50% · 4.625%
HK$35,832
+HK$1,794/mo
Deposit HK$6.37M · loan HK$6.37M · min. income ≈ HK$68,076/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$477,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,833
−HK$2,185/mo
▼ 0.25% · 3.875%
HK$35,917
−HK$1,101/mo
Today · 4.125%
HK$37,018
baseline
▲ 0.50% · 4.625%
HK$39,270
+HK$2,252/mo
Deposit HK$5.09M · loan HK$7.64M · min. income ≈ HK$74,036/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$477,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,752
−HK$2,093/mo
▼ 0.25% · 3.875%
HK$39,791
−HK$1,054/mo
Today · 4.125%
HK$40,845
baseline
▲ 0.50% · 4.625%
HK$42,998
+HK$2,153/mo
Deposit HK$5.09M · loan HK$7.64M · min. income ≈ HK$81,690/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$477,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,639
−HK$2,548/mo
▼ 0.25% · 3.875%
HK$41,903
−HK$1,284/mo
Today · 4.125%
HK$43,187
baseline
▲ 0.50% · 4.625%
HK$45,815
+HK$2,628/mo
Deposit HK$3.82M · loan HK$8.91M · min. income ≈ HK$86,374/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$477,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,210
−HK$2,443/mo
▼ 0.25% · 3.875%
HK$46,423
−HK$1,230/mo
Today · 4.125%
HK$47,653
baseline
▲ 0.50% · 4.625%
HK$50,165
+HK$2,512/mo
Deposit HK$3.82M · loan HK$8.91M · min. income ≈ HK$95,306/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$477,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,250
−HK$3,276/mo
▼ 0.25% · 3.875%
HK$53,875
−HK$1,651/mo
Today · 4.125%
HK$55,526
baseline
▲ 0.50% · 4.625%
HK$58,905
+HK$3,379/mo
Deposit HK$1.27M · loan HK$11.46M · min. income ≈ HK$111,052/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$477,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,128
−HK$3,140/mo
▼ 0.25% · 3.875%
HK$59,686
−HK$1,582/mo
Today · 4.125%
HK$61,268
baseline
▲ 0.50% · 4.625%
HK$64,497
+HK$3,229/mo
Deposit HK$1.27M · loan HK$11.46M · min. income ≈ HK$122,536/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$477,377 · Scale 2, in force from 26 Feb 2026)