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$29,160
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$30,067
−HK$922/mo
Today · 4.125%
HK$30,989
baseline
▲ 0.50% · 4.625%
HK$32,874
+HK$1,885/mo
Deposit HK$6.39M · loan HK$6.39M · min. income ≈ HK$61,978/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$479,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,440
−HK$1,753/mo
▼ 0.25% · 3.875%
HK$33,310
−HK$883/mo
Today · 4.125%
HK$34,193
baseline
▲ 0.50% · 4.625%
HK$35,995
+HK$1,802/mo
Deposit HK$6.39M · loan HK$6.39M · min. income ≈ HK$68,386/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$479,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,992
−HK$2,194/mo
▼ 0.25% · 3.875%
HK$36,081
−HK$1,105/mo
Today · 4.125%
HK$37,186
baseline
▲ 0.50% · 4.625%
HK$39,449
+HK$2,263/mo
Deposit HK$5.12M · loan HK$7.67M · min. income ≈ HK$74,372/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$479,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,928
−HK$2,104/mo
▼ 0.25% · 3.875%
HK$39,972
−HK$1,060/mo
Today · 4.125%
HK$41,032
baseline
▲ 0.50% · 4.625%
HK$43,194
+HK$2,162/mo
Deposit HK$5.12M · loan HK$7.67M · min. income ≈ HK$82,064/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$479,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,824
−HK$2,560/mo
▼ 0.25% · 3.875%
HK$42,094
−HK$1,290/mo
Today · 4.125%
HK$43,384
baseline
▲ 0.50% · 4.625%
HK$46,024
+HK$2,640/mo
Deposit HK$3.84M · loan HK$8.95M · min. income ≈ HK$86,768/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$479,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,416
−HK$2,454/mo
▼ 0.25% · 3.875%
HK$46,635
−HK$1,235/mo
Today · 4.125%
HK$47,870
baseline
▲ 0.50% · 4.625%
HK$50,394
+HK$2,524/mo
Deposit HK$3.84M · loan HK$8.95M · min. income ≈ HK$95,740/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$479,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,488
−HK$3,292/mo
▼ 0.25% · 3.875%
HK$54,121
−HK$1,659/mo
Today · 4.125%
HK$55,780
baseline
▲ 0.50% · 4.625%
HK$59,174
+HK$3,394/mo
Deposit HK$1.28M · loan HK$11.51M · min. income ≈ HK$111,560/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$479,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,393
−HK$3,154/mo
▼ 0.25% · 3.875%
HK$59,959
−HK$1,588/mo
Today · 4.125%
HK$61,547
baseline
▲ 0.50% · 4.625%
HK$64,792
+HK$3,245/mo
Deposit HK$1.28M · loan HK$11.51M · min. income ≈ HK$123,094/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$479,554 · Scale 2, in force from 26 Feb 2026)