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$29,027
−HK$1,821/mo
▼ 0.25% · 3.875%
HK$29,930
−HK$918/mo
Today · 4.125%
HK$30,848
baseline
▲ 0.50% · 4.625%
HK$32,725
+HK$1,877/mo
Deposit HK$6.36M · loan HK$6.36M · min. income ≈ HK$61,696/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$477,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,293
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$33,159
−HK$878/mo
Today · 4.125%
HK$34,037
baseline
▲ 0.50% · 4.625%
HK$35,831
+HK$1,794/mo
Deposit HK$6.36M · loan HK$6.36M · min. income ≈ HK$68,074/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$477,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,833
−HK$2,184/mo
▼ 0.25% · 3.875%
HK$35,916
−HK$1,101/mo
Today · 4.125%
HK$37,017
baseline
▲ 0.50% · 4.625%
HK$39,269
+HK$2,252/mo
Deposit HK$5.09M · loan HK$7.64M · min. income ≈ HK$74,034/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$477,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,751
−HK$2,094/mo
▼ 0.25% · 3.875%
HK$39,790
−HK$1,055/mo
Today · 4.125%
HK$40,845
baseline
▲ 0.50% · 4.625%
HK$42,998
+HK$2,153/mo
Deposit HK$5.09M · loan HK$7.64M · min. income ≈ HK$81,690/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$477,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,638
−HK$2,549/mo
▼ 0.25% · 3.875%
HK$41,902
−HK$1,285/mo
Today · 4.125%
HK$43,187
baseline
▲ 0.50% · 4.625%
HK$45,814
+HK$2,627/mo
Deposit HK$3.82M · loan HK$8.91M · min. income ≈ HK$86,374/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$477,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,210
−HK$2,442/mo
▼ 0.25% · 3.875%
HK$46,422
−HK$1,230/mo
Today · 4.125%
HK$47,652
baseline
▲ 0.50% · 4.625%
HK$50,164
+HK$2,512/mo
Deposit HK$3.82M · loan HK$8.91M · min. income ≈ HK$95,304/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$477,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,249
−HK$3,277/mo
▼ 0.25% · 3.875%
HK$53,874
−HK$1,652/mo
Today · 4.125%
HK$55,526
baseline
▲ 0.50% · 4.625%
HK$58,904
+HK$3,378/mo
Deposit HK$1.27M · loan HK$11.46M · min. income ≈ HK$111,052/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$477,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,127
−HK$3,140/mo
▼ 0.25% · 3.875%
HK$59,686
−HK$1,581/mo
Today · 4.125%
HK$61,267
baseline
▲ 0.50% · 4.625%
HK$64,496
+HK$3,229/mo
Deposit HK$1.27M · loan HK$11.46M · min. income ≈ HK$122,534/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$477,369 · Scale 2, in force from 26 Feb 2026)