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$29,128
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$30,035
−HK$920/mo
Today · 4.125%
HK$30,955
baseline
▲ 0.50% · 4.625%
HK$32,839
+HK$1,884/mo
Deposit HK$6.39M · loan HK$6.39M · min. income ≈ HK$61,910/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$479,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,405
−HK$1,751/mo
▼ 0.25% · 3.875%
HK$33,274
−HK$882/mo
Today · 4.125%
HK$34,156
baseline
▲ 0.50% · 4.625%
HK$35,956
+HK$1,800/mo
Deposit HK$6.39M · loan HK$6.39M · min. income ≈ HK$68,312/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$479,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,954
−HK$2,192/mo
▼ 0.25% · 3.875%
HK$36,041
−HK$1,105/mo
Today · 4.125%
HK$37,146
baseline
▲ 0.50% · 4.625%
HK$39,406
+HK$2,260/mo
Deposit HK$5.11M · loan HK$7.66M · min. income ≈ HK$74,292/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$479,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,886
−HK$2,101/mo
▼ 0.25% · 3.875%
HK$39,929
−HK$1,058/mo
Today · 4.125%
HK$40,987
baseline
▲ 0.50% · 4.625%
HK$43,148
+HK$2,161/mo
Deposit HK$5.11M · loan HK$7.66M · min. income ≈ HK$81,974/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$479,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,780
−HK$2,557/mo
▼ 0.25% · 3.875%
HK$42,048
−HK$1,289/mo
Today · 4.125%
HK$43,337
baseline
▲ 0.50% · 4.625%
HK$45,974
+HK$2,637/mo
Deposit HK$3.83M · loan HK$8.94M · min. income ≈ HK$86,674/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$479,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,367
−HK$2,451/mo
▼ 0.25% · 3.875%
HK$46,584
−HK$1,234/mo
Today · 4.125%
HK$47,818
baseline
▲ 0.50% · 4.625%
HK$50,339
+HK$2,521/mo
Deposit HK$3.83M · loan HK$8.94M · min. income ≈ HK$95,636/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$479,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,431
−HK$3,288/mo
▼ 0.25% · 3.875%
HK$54,062
−HK$1,657/mo
Today · 4.125%
HK$55,719
baseline
▲ 0.50% · 4.625%
HK$59,110
+HK$3,391/mo
Deposit HK$1.28M · loan HK$11.50M · min. income ≈ HK$111,438/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$479,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,329
−HK$3,152/mo
▼ 0.25% · 3.875%
HK$59,894
−HK$1,587/mo
Today · 4.125%
HK$61,481
baseline
▲ 0.50% · 4.625%
HK$64,721
+HK$3,240/mo
Deposit HK$1.28M · loan HK$11.50M · min. income ≈ HK$122,962/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$479,033 · Scale 2, in force from 26 Feb 2026)