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$29,143
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$30,049
−HK$921/mo
Today · 4.125%
HK$30,970
baseline
▲ 0.50% · 4.625%
HK$32,855
+HK$1,885/mo
Deposit HK$6.39M · loan HK$6.39M · min. income ≈ HK$61,940/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$479,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,421
−HK$1,752/mo
▼ 0.25% · 3.875%
HK$33,291
−HK$882/mo
Today · 4.125%
HK$34,173
baseline
▲ 0.50% · 4.625%
HK$35,974
+HK$1,801/mo
Deposit HK$6.39M · loan HK$6.39M · min. income ≈ HK$68,346/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$479,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,972
−HK$2,193/mo
▼ 0.25% · 3.875%
HK$36,059
−HK$1,106/mo
Today · 4.125%
HK$37,165
baseline
▲ 0.50% · 4.625%
HK$39,426
+HK$2,261/mo
Deposit HK$5.11M · loan HK$7.67M · min. income ≈ HK$74,330/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$479,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,905
−HK$2,102/mo
▼ 0.25% · 3.875%
HK$39,949
−HK$1,058/mo
Today · 4.125%
HK$41,007
baseline
▲ 0.50% · 4.625%
HK$43,169
+HK$2,162/mo
Deposit HK$5.11M · loan HK$7.67M · min. income ≈ HK$82,014/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$479,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,800
−HK$2,559/mo
▼ 0.25% · 3.875%
HK$42,069
−HK$1,290/mo
Today · 4.125%
HK$43,359
baseline
▲ 0.50% · 4.625%
HK$45,997
+HK$2,638/mo
Deposit HK$3.83M · loan HK$8.95M · min. income ≈ HK$86,718/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$479,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,390
−HK$2,452/mo
▼ 0.25% · 3.875%
HK$46,607
−HK$1,235/mo
Today · 4.125%
HK$47,842
baseline
▲ 0.50% · 4.625%
HK$50,364
+HK$2,522/mo
Deposit HK$3.83M · loan HK$8.95M · min. income ≈ HK$95,684/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$479,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,457
−HK$3,290/mo
▼ 0.25% · 3.875%
HK$54,089
−HK$1,658/mo
Today · 4.125%
HK$55,747
baseline
▲ 0.50% · 4.625%
HK$59,139
+HK$3,392/mo
Deposit HK$1.28M · loan HK$11.50M · min. income ≈ HK$111,494/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$479,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,358
−HK$3,153/mo
▼ 0.25% · 3.875%
HK$59,923
−HK$1,588/mo
Today · 4.125%
HK$61,511
baseline
▲ 0.50% · 4.625%
HK$64,753
+HK$3,242/mo
Deposit HK$1.28M · loan HK$11.50M · min. income ≈ HK$123,022/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$479,271 · Scale 2, in force from 26 Feb 2026)