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$29,014
−HK$1,820/mo
▼ 0.25% · 3.875%
HK$29,917
−HK$917/mo
Today · 4.125%
HK$30,834
baseline
▲ 0.50% · 4.625%
HK$32,710
+HK$1,876/mo
Deposit HK$6.36M · loan HK$6.36M · min. income ≈ HK$61,668/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$477,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,278
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$33,144
−HK$878/mo
Today · 4.125%
HK$34,022
baseline
▲ 0.50% · 4.625%
HK$35,816
+HK$1,794/mo
Deposit HK$6.36M · loan HK$6.36M · min. income ≈ HK$68,044/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$477,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,817
−HK$2,184/mo
▼ 0.25% · 3.875%
HK$35,900
−HK$1,101/mo
Today · 4.125%
HK$37,001
baseline
▲ 0.50% · 4.625%
HK$39,252
+HK$2,251/mo
Deposit HK$5.09M · loan HK$7.63M · min. income ≈ HK$74,002/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$477,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,734
−HK$2,093/mo
▼ 0.25% · 3.875%
HK$39,773
−HK$1,054/mo
Today · 4.125%
HK$40,827
baseline
▲ 0.50% · 4.625%
HK$42,979
+HK$2,152/mo
Deposit HK$5.09M · loan HK$7.63M · min. income ≈ HK$81,654/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$477,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,620
−HK$2,547/mo
▼ 0.25% · 3.875%
HK$41,884
−HK$1,283/mo
Today · 4.125%
HK$43,167
baseline
▲ 0.50% · 4.625%
HK$45,794
+HK$2,627/mo
Deposit HK$3.82M · loan HK$8.91M · min. income ≈ HK$86,334/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$477,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,190
−HK$2,441/mo
▼ 0.25% · 3.875%
HK$46,402
−HK$1,229/mo
Today · 4.125%
HK$47,631
baseline
▲ 0.50% · 4.625%
HK$50,142
+HK$2,511/mo
Deposit HK$3.82M · loan HK$8.91M · min. income ≈ HK$95,262/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$477,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,226
−HK$3,275/mo
▼ 0.25% · 3.875%
HK$53,850
−HK$1,651/mo
Today · 4.125%
HK$55,501
baseline
▲ 0.50% · 4.625%
HK$58,878
+HK$3,377/mo
Deposit HK$1.27M · loan HK$11.45M · min. income ≈ HK$111,002/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$477,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,101
−HK$3,139/mo
▼ 0.25% · 3.875%
HK$59,659
−HK$1,581/mo
Today · 4.125%
HK$61,240
baseline
▲ 0.50% · 4.625%
HK$64,468
+HK$3,228/mo
Deposit HK$1.27M · loan HK$11.45M · min. income ≈ HK$122,480/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$477,158 · Scale 2, in force from 26 Feb 2026)