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$29,048
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$29,952
−HK$918/mo
Today · 4.125%
HK$30,870
baseline
▲ 0.50% · 4.625%
HK$32,748
+HK$1,878/mo
Deposit HK$6.37M · loan HK$6.37M · min. income ≈ HK$61,740/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$477,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,316
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$33,182
−HK$880/mo
Today · 4.125%
HK$34,062
baseline
▲ 0.50% · 4.625%
HK$35,857
+HK$1,795/mo
Deposit HK$6.37M · loan HK$6.37M · min. income ≈ HK$68,124/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$477,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,858
−HK$2,186/mo
▼ 0.25% · 3.875%
HK$35,942
−HK$1,102/mo
Today · 4.125%
HK$37,044
baseline
▲ 0.50% · 4.625%
HK$39,298
+HK$2,254/mo
Deposit HK$5.10M · loan HK$7.64M · min. income ≈ HK$74,088/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$477,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,779
−HK$2,095/mo
▼ 0.25% · 3.875%
HK$39,819
−HK$1,055/mo
Today · 4.125%
HK$40,874
baseline
▲ 0.50% · 4.625%
HK$43,029
+HK$2,155/mo
Deposit HK$5.10M · loan HK$7.64M · min. income ≈ HK$81,748/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$477,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,667
−HK$2,551/mo
▼ 0.25% · 3.875%
HK$41,932
−HK$1,286/mo
Today · 4.125%
HK$43,218
baseline
▲ 0.50% · 4.625%
HK$45,847
+HK$2,629/mo
Deposit HK$3.82M · loan HK$8.92M · min. income ≈ HK$86,436/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$477,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,242
−HK$2,444/mo
▼ 0.25% · 3.875%
HK$46,455
−HK$1,231/mo
Today · 4.125%
HK$47,686
baseline
▲ 0.50% · 4.625%
HK$50,200
+HK$2,514/mo
Deposit HK$3.82M · loan HK$8.92M · min. income ≈ HK$95,372/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$477,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,287
−HK$3,278/mo
▼ 0.25% · 3.875%
HK$53,913
−HK$1,652/mo
Today · 4.125%
HK$55,565
baseline
▲ 0.50% · 4.625%
HK$58,946
+HK$3,381/mo
Deposit HK$1.27M · loan HK$11.47M · min. income ≈ HK$111,130/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$477,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,168
−HK$3,143/mo
▼ 0.25% · 3.875%
HK$59,728
−HK$1,583/mo
Today · 4.125%
HK$61,311
baseline
▲ 0.50% · 4.625%
HK$64,543
+HK$3,232/mo
Deposit HK$1.27M · loan HK$11.47M · min. income ≈ HK$122,622/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$477,712 · Scale 2, in force from 26 Feb 2026)