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$29,009
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$29,911
−HK$917/mo
Today · 4.125%
HK$30,828
baseline
▲ 0.50% · 4.625%
HK$32,704
+HK$1,876/mo
Deposit HK$6.36M · loan HK$6.36M · min. income ≈ HK$61,656/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$477,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,272
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$33,138
−HK$878/mo
Today · 4.125%
HK$34,016
baseline
▲ 0.50% · 4.625%
HK$35,809
+HK$1,793/mo
Deposit HK$6.36M · loan HK$6.36M · min. income ≈ HK$68,032/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$477,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,811
−HK$2,183/mo
▼ 0.25% · 3.875%
HK$35,894
−HK$1,100/mo
Today · 4.125%
HK$36,994
baseline
▲ 0.50% · 4.625%
HK$39,245
+HK$2,251/mo
Deposit HK$5.09M · loan HK$7.63M · min. income ≈ HK$73,988/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$477,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,727
−HK$2,092/mo
▼ 0.25% · 3.875%
HK$39,765
−HK$1,054/mo
Today · 4.125%
HK$40,819
baseline
▲ 0.50% · 4.625%
HK$42,971
+HK$2,152/mo
Deposit HK$5.09M · loan HK$7.63M · min. income ≈ HK$81,638/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$477,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,613
−HK$2,546/mo
▼ 0.25% · 3.875%
HK$41,876
−HK$1,283/mo
Today · 4.125%
HK$43,159
baseline
▲ 0.50% · 4.625%
HK$45,786
+HK$2,627/mo
Deposit HK$3.82M · loan HK$8.91M · min. income ≈ HK$86,318/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$477,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,181
−HK$2,441/mo
▼ 0.25% · 3.875%
HK$46,393
−HK$1,229/mo
Today · 4.125%
HK$47,622
baseline
▲ 0.50% · 4.625%
HK$50,132
+HK$2,510/mo
Deposit HK$3.82M · loan HK$8.91M · min. income ≈ HK$95,244/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$477,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,216
−HK$3,275/mo
▼ 0.25% · 3.875%
HK$53,841
−HK$1,650/mo
Today · 4.125%
HK$55,491
baseline
▲ 0.50% · 4.625%
HK$58,867
+HK$3,376/mo
Deposit HK$1.27M · loan HK$11.45M · min. income ≈ HK$110,982/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$477,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,090
−HK$3,139/mo
▼ 0.25% · 3.875%
HK$59,648
−HK$1,581/mo
Today · 4.125%
HK$61,229
baseline
▲ 0.50% · 4.625%
HK$64,456
+HK$3,227/mo
Deposit HK$1.27M · loan HK$11.45M · min. income ≈ HK$122,458/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$477,070 · Scale 2, in force from 26 Feb 2026)