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$29,137
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$30,044
−HK$921/mo
Today · 4.125%
HK$30,965
baseline
▲ 0.50% · 4.625%
HK$32,849
+HK$1,884/mo
Deposit HK$6.39M · loan HK$6.39M · min. income ≈ HK$61,930/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$479,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,415
−HK$1,751/mo
▼ 0.25% · 3.875%
HK$33,285
−HK$881/mo
Today · 4.125%
HK$34,166
baseline
▲ 0.50% · 4.625%
HK$35,967
+HK$1,801/mo
Deposit HK$6.39M · loan HK$6.39M · min. income ≈ HK$68,332/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$479,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,965
−HK$2,193/mo
▼ 0.25% · 3.875%
HK$36,053
−HK$1,105/mo
Today · 4.125%
HK$37,158
baseline
▲ 0.50% · 4.625%
HK$39,419
+HK$2,261/mo
Deposit HK$5.11M · loan HK$7.67M · min. income ≈ HK$74,316/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$479,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,898
−HK$2,102/mo
▼ 0.25% · 3.875%
HK$39,941
−HK$1,059/mo
Today · 4.125%
HK$41,000
baseline
▲ 0.50% · 4.625%
HK$43,161
+HK$2,161/mo
Deposit HK$5.11M · loan HK$7.67M · min. income ≈ HK$82,000/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$479,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,792
−HK$2,559/mo
▼ 0.25% · 3.875%
HK$42,061
−HK$1,290/mo
Today · 4.125%
HK$43,351
baseline
▲ 0.50% · 4.625%
HK$45,988
+HK$2,637/mo
Deposit HK$3.83M · loan HK$8.94M · min. income ≈ HK$86,702/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$479,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,381
−HK$2,452/mo
▼ 0.25% · 3.875%
HK$46,598
−HK$1,235/mo
Today · 4.125%
HK$47,833
baseline
▲ 0.50% · 4.625%
HK$50,354
+HK$2,521/mo
Deposit HK$3.83M · loan HK$8.94M · min. income ≈ HK$95,666/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$479,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,447
−HK$3,289/mo
▼ 0.25% · 3.875%
HK$54,079
−HK$1,657/mo
Today · 4.125%
HK$55,736
baseline
▲ 0.50% · 4.625%
HK$59,128
+HK$3,392/mo
Deposit HK$1.28M · loan HK$11.50M · min. income ≈ HK$111,472/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$479,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,347
−HK$3,153/mo
▼ 0.25% · 3.875%
HK$59,912
−HK$1,588/mo
Today · 4.125%
HK$61,500
baseline
▲ 0.50% · 4.625%
HK$64,741
+HK$3,241/mo
Deposit HK$1.28M · loan HK$11.50M · min. income ≈ HK$123,000/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$479,181 · Scale 2, in force from 26 Feb 2026)