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$29,059
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$29,963
−HK$918/mo
Today · 4.125%
HK$30,881
baseline
▲ 0.50% · 4.625%
HK$32,760
+HK$1,879/mo
Deposit HK$6.37M · loan HK$6.37M · min. income ≈ HK$61,762/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$477,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,328
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$33,195
−HK$879/mo
Today · 4.125%
HK$34,074
baseline
▲ 0.50% · 4.625%
HK$35,870
+HK$1,796/mo
Deposit HK$6.37M · loan HK$6.37M · min. income ≈ HK$68,148/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$477,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,871
−HK$2,186/mo
▼ 0.25% · 3.875%
HK$35,955
−HK$1,102/mo
Today · 4.125%
HK$37,057
baseline
▲ 0.50% · 4.625%
HK$39,312
+HK$2,255/mo
Deposit HK$5.10M · loan HK$7.65M · min. income ≈ HK$74,114/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$477,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,793
−HK$2,096/mo
▼ 0.25% · 3.875%
HK$39,834
−HK$1,055/mo
Today · 4.125%
HK$40,889
baseline
▲ 0.50% · 4.625%
HK$43,045
+HK$2,156/mo
Deposit HK$5.10M · loan HK$7.65M · min. income ≈ HK$81,778/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$477,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,682
−HK$2,552/mo
▼ 0.25% · 3.875%
HK$41,948
−HK$1,286/mo
Today · 4.125%
HK$43,234
baseline
▲ 0.50% · 4.625%
HK$45,864
+HK$2,630/mo
Deposit HK$3.82M · loan HK$8.92M · min. income ≈ HK$86,468/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$477,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,259
−HK$2,445/mo
▼ 0.25% · 3.875%
HK$46,473
−HK$1,231/mo
Today · 4.125%
HK$47,704
baseline
▲ 0.50% · 4.625%
HK$50,219
+HK$2,515/mo
Deposit HK$3.82M · loan HK$8.92M · min. income ≈ HK$95,408/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$477,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,306
−HK$3,280/mo
▼ 0.25% · 3.875%
HK$53,933
−HK$1,653/mo
Today · 4.125%
HK$55,586
baseline
▲ 0.50% · 4.625%
HK$58,968
+HK$3,382/mo
Deposit HK$1.27M · loan HK$11.47M · min. income ≈ HK$111,172/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$477,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,190
−HK$3,144/mo
▼ 0.25% · 3.875%
HK$59,751
−HK$1,583/mo
Today · 4.125%
HK$61,334
baseline
▲ 0.50% · 4.625%
HK$64,567
+HK$3,233/mo
Deposit HK$1.27M · loan HK$11.47M · min. income ≈ HK$122,668/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$477,889 · Scale 2, in force from 26 Feb 2026)