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$29,148
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$30,055
−HK$921/mo
Today · 4.125%
HK$30,976
baseline
▲ 0.50% · 4.625%
HK$32,861
+HK$1,885/mo
Deposit HK$6.39M · loan HK$6.39M · min. income ≈ HK$61,952/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$479,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,427
−HK$1,752/mo
▼ 0.25% · 3.875%
HK$33,297
−HK$882/mo
Today · 4.125%
HK$34,179
baseline
▲ 0.50% · 4.625%
HK$35,981
+HK$1,802/mo
Deposit HK$6.39M · loan HK$6.39M · min. income ≈ HK$68,358/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$479,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,978
−HK$2,193/mo
▼ 0.25% · 3.875%
HK$36,066
−HK$1,105/mo
Today · 4.125%
HK$37,171
baseline
▲ 0.50% · 4.625%
HK$39,433
+HK$2,262/mo
Deposit HK$5.11M · loan HK$7.67M · min. income ≈ HK$74,342/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$479,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,913
−HK$2,102/mo
▼ 0.25% · 3.875%
HK$39,956
−HK$1,059/mo
Today · 4.125%
HK$41,015
baseline
▲ 0.50% · 4.625%
HK$43,177
+HK$2,162/mo
Deposit HK$5.11M · loan HK$7.67M · min. income ≈ HK$82,030/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$479,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,808
−HK$2,559/mo
▼ 0.25% · 3.875%
HK$42,077
−HK$1,290/mo
Today · 4.125%
HK$43,367
baseline
▲ 0.50% · 4.625%
HK$46,005
+HK$2,638/mo
Deposit HK$3.83M · loan HK$8.95M · min. income ≈ HK$86,734/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$479,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,398
−HK$2,453/mo
▼ 0.25% · 3.875%
HK$46,616
−HK$1,235/mo
Today · 4.125%
HK$47,851
baseline
▲ 0.50% · 4.625%
HK$50,373
+HK$2,522/mo
Deposit HK$3.83M · loan HK$8.95M · min. income ≈ HK$95,702/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$479,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,467
−HK$3,290/mo
▼ 0.25% · 3.875%
HK$54,099
−HK$1,658/mo
Today · 4.125%
HK$55,757
baseline
▲ 0.50% · 4.625%
HK$59,150
+HK$3,393/mo
Deposit HK$1.28M · loan HK$11.50M · min. income ≈ HK$111,514/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$479,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,369
−HK$3,154/mo
▼ 0.25% · 3.875%
HK$59,934
−HK$1,589/mo
Today · 4.125%
HK$61,523
baseline
▲ 0.50% · 4.625%
HK$64,765
+HK$3,242/mo
Deposit HK$1.28M · loan HK$11.50M · min. income ≈ HK$123,046/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$479,360 · Scale 2, in force from 26 Feb 2026)