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$29,024
−HK$1,820/mo
▼ 0.25% · 3.875%
HK$29,927
−HK$917/mo
Today · 4.125%
HK$30,844
baseline
▲ 0.50% · 4.625%
HK$32,721
+HK$1,877/mo
Deposit HK$6.36M · loan HK$6.36M · min. income ≈ HK$61,688/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$477,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,289
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$33,155
−HK$878/mo
Today · 4.125%
HK$34,033
baseline
▲ 0.50% · 4.625%
HK$35,827
+HK$1,794/mo
Deposit HK$6.36M · loan HK$6.36M · min. income ≈ HK$68,066/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$477,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,828
−HK$2,185/mo
▼ 0.25% · 3.875%
HK$35,912
−HK$1,101/mo
Today · 4.125%
HK$37,013
baseline
▲ 0.50% · 4.625%
HK$39,265
+HK$2,252/mo
Deposit HK$5.09M · loan HK$7.64M · min. income ≈ HK$74,026/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$477,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,746
−HK$2,094/mo
▼ 0.25% · 3.875%
HK$39,785
−HK$1,055/mo
Today · 4.125%
HK$40,840
baseline
▲ 0.50% · 4.625%
HK$42,992
+HK$2,152/mo
Deposit HK$5.09M · loan HK$7.64M · min. income ≈ HK$81,680/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$477,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,633
−HK$2,548/mo
▼ 0.25% · 3.875%
HK$41,897
−HK$1,284/mo
Today · 4.125%
HK$43,181
baseline
▲ 0.50% · 4.625%
HK$45,809
+HK$2,628/mo
Deposit HK$3.82M · loan HK$8.91M · min. income ≈ HK$86,362/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$477,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,204
−HK$2,442/mo
▼ 0.25% · 3.875%
HK$46,416
−HK$1,230/mo
Today · 4.125%
HK$47,646
baseline
▲ 0.50% · 4.625%
HK$50,158
+HK$2,512/mo
Deposit HK$3.82M · loan HK$8.91M · min. income ≈ HK$95,292/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$477,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,243
−HK$3,276/mo
▼ 0.25% · 3.875%
HK$53,868
−HK$1,651/mo
Today · 4.125%
HK$55,519
baseline
▲ 0.50% · 4.625%
HK$58,897
+HK$3,378/mo
Deposit HK$1.27M · loan HK$11.46M · min. income ≈ HK$111,038/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$477,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,120
−HK$3,140/mo
▼ 0.25% · 3.875%
HK$59,678
−HK$1,582/mo
Today · 4.125%
HK$61,260
baseline
▲ 0.50% · 4.625%
HK$64,489
+HK$3,229/mo
Deposit HK$1.27M · loan HK$11.46M · min. income ≈ HK$122,520/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$477,311 · Scale 2, in force from 26 Feb 2026)