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$29,156
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$30,063
−HK$921/mo
Today · 4.125%
HK$30,984
baseline
▲ 0.50% · 4.625%
HK$32,870
+HK$1,886/mo
Deposit HK$6.39M · loan HK$6.39M · min. income ≈ HK$61,968/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$479,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,436
−HK$1,752/mo
▼ 0.25% · 3.875%
HK$33,306
−HK$882/mo
Today · 4.125%
HK$34,188
baseline
▲ 0.50% · 4.625%
HK$35,990
+HK$1,802/mo
Deposit HK$6.39M · loan HK$6.39M · min. income ≈ HK$68,376/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$479,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,987
−HK$2,194/mo
▼ 0.25% · 3.875%
HK$36,076
−HK$1,105/mo
Today · 4.125%
HK$37,181
baseline
▲ 0.50% · 4.625%
HK$39,444
+HK$2,263/mo
Deposit HK$5.11M · loan HK$7.67M · min. income ≈ HK$74,362/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$479,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,923
−HK$2,103/mo
▼ 0.25% · 3.875%
HK$39,967
−HK$1,059/mo
Today · 4.125%
HK$41,026
baseline
▲ 0.50% · 4.625%
HK$43,188
+HK$2,162/mo
Deposit HK$5.11M · loan HK$7.67M · min. income ≈ HK$82,052/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$479,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,818
−HK$2,560/mo
▼ 0.25% · 3.875%
HK$42,088
−HK$1,290/mo
Today · 4.125%
HK$43,378
baseline
▲ 0.50% · 4.625%
HK$46,018
+HK$2,640/mo
Deposit HK$3.84M · loan HK$8.95M · min. income ≈ HK$86,756/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$479,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,410
−HK$2,454/mo
▼ 0.25% · 3.875%
HK$46,628
−HK$1,236/mo
Today · 4.125%
HK$47,864
baseline
▲ 0.50% · 4.625%
HK$50,386
+HK$2,522/mo
Deposit HK$3.84M · loan HK$8.95M · min. income ≈ HK$95,728/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$479,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,481
−HK$3,291/mo
▼ 0.25% · 3.875%
HK$54,113
−HK$1,659/mo
Today · 4.125%
HK$55,772
baseline
▲ 0.50% · 4.625%
HK$59,166
+HK$3,394/mo
Deposit HK$1.28M · loan HK$11.51M · min. income ≈ HK$111,544/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$479,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,384
−HK$3,155/mo
▼ 0.25% · 3.875%
HK$59,950
−HK$1,589/mo
Today · 4.125%
HK$61,539
baseline
▲ 0.50% · 4.625%
HK$64,783
+HK$3,244/mo
Deposit HK$1.28M · loan HK$11.51M · min. income ≈ HK$123,078/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$479,487 · Scale 2, in force from 26 Feb 2026)