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$29,069
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$29,973
−HK$918/mo
Today · 4.125%
HK$30,891
baseline
▲ 0.50% · 4.625%
HK$32,771
+HK$1,880/mo
Deposit HK$6.37M · loan HK$6.37M · min. income ≈ HK$61,782/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$478,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,338
−HK$1,748/mo
▼ 0.25% · 3.875%
HK$33,206
−HK$880/mo
Today · 4.125%
HK$34,086
baseline
▲ 0.50% · 4.625%
HK$35,882
+HK$1,796/mo
Deposit HK$6.37M · loan HK$6.37M · min. income ≈ HK$68,172/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$478,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,882
−HK$2,188/mo
▼ 0.25% · 3.875%
HK$35,967
−HK$1,103/mo
Today · 4.125%
HK$37,070
baseline
▲ 0.50% · 4.625%
HK$39,325
+HK$2,255/mo
Deposit HK$5.10M · loan HK$7.65M · min. income ≈ HK$74,140/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$478,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,806
−HK$2,097/mo
▼ 0.25% · 3.875%
HK$39,847
−HK$1,056/mo
Today · 4.125%
HK$40,903
baseline
▲ 0.50% · 4.625%
HK$43,059
+HK$2,156/mo
Deposit HK$5.10M · loan HK$7.65M · min. income ≈ HK$81,806/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$478,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,696
−HK$2,552/mo
▼ 0.25% · 3.875%
HK$41,962
−HK$1,286/mo
Today · 4.125%
HK$43,248
baseline
▲ 0.50% · 4.625%
HK$45,879
+HK$2,631/mo
Deposit HK$3.82M · loan HK$8.92M · min. income ≈ HK$86,496/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$478,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,274
−HK$2,446/mo
▼ 0.25% · 3.875%
HK$46,488
−HK$1,232/mo
Today · 4.125%
HK$47,720
baseline
▲ 0.50% · 4.625%
HK$50,235
+HK$2,515/mo
Deposit HK$3.82M · loan HK$8.92M · min. income ≈ HK$95,440/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$478,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,323
−HK$3,281/mo
▼ 0.25% · 3.875%
HK$53,951
−HK$1,653/mo
Today · 4.125%
HK$55,604
baseline
▲ 0.50% · 4.625%
HK$58,988
+HK$3,384/mo
Deposit HK$1.27M · loan HK$11.47M · min. income ≈ HK$111,208/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$478,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,209
−HK$3,145/mo
▼ 0.25% · 3.875%
HK$59,770
−HK$1,584/mo
Today · 4.125%
HK$61,354
baseline
▲ 0.50% · 4.625%
HK$64,588
+HK$3,234/mo
Deposit HK$1.27M · loan HK$11.47M · min. income ≈ HK$122,708/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$478,047 · Scale 2, in force from 26 Feb 2026)