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$1,819/mo
▼ 0.25% · 3.875%
HK$29,916
−HK$917/mo
Today · 4.125%
HK$30,833
baseline
▲ 0.50% · 4.625%
HK$32,709
+HK$1,876/mo
Deposit HK$6.36M · loan HK$6.36M · min. income ≈ HK$61,666/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$477,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,277
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$33,143
−HK$878/mo
Today · 4.125%
HK$34,021
baseline
▲ 0.50% · 4.625%
HK$35,815
+HK$1,794/mo
Deposit HK$6.36M · loan HK$6.36M · min. income ≈ HK$68,042/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$477,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,816
−HK$2,184/mo
▼ 0.25% · 3.875%
HK$35,899
−HK$1,101/mo
Today · 4.125%
HK$37,000
baseline
▲ 0.50% · 4.625%
HK$39,251
+HK$2,251/mo
Deposit HK$5.09M · loan HK$7.63M · min. income ≈ HK$74,000/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$477,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,733
−HK$2,093/mo
▼ 0.25% · 3.875%
HK$39,772
−HK$1,054/mo
Today · 4.125%
HK$40,826
baseline
▲ 0.50% · 4.625%
HK$42,978
+HK$2,152/mo
Deposit HK$5.09M · loan HK$7.63M · min. income ≈ HK$81,652/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$477,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,619
−HK$2,547/mo
▼ 0.25% · 3.875%
HK$41,883
−HK$1,283/mo
Today · 4.125%
HK$43,166
baseline
▲ 0.50% · 4.625%
HK$45,793
+HK$2,627/mo
Deposit HK$3.82M · loan HK$8.91M · min. income ≈ HK$86,332/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$477,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,188
−HK$2,442/mo
▼ 0.25% · 3.875%
HK$46,400
−HK$1,230/mo
Today · 4.125%
HK$47,630
baseline
▲ 0.50% · 4.625%
HK$50,141
+HK$2,511/mo
Deposit HK$3.82M · loan HK$8.91M · min. income ≈ HK$95,260/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$477,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,225
−HK$3,275/mo
▼ 0.25% · 3.875%
HK$53,849
−HK$1,651/mo
Today · 4.125%
HK$55,500
baseline
▲ 0.50% · 4.625%
HK$58,877
+HK$3,377/mo
Deposit HK$1.27M · loan HK$11.45M · min. income ≈ HK$111,000/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$477,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,099
−HK$3,139/mo
▼ 0.25% · 3.875%
HK$59,658
−HK$1,580/mo
Today · 4.125%
HK$61,238
baseline
▲ 0.50% · 4.625%
HK$64,466
+HK$3,228/mo
Deposit HK$1.27M · loan HK$11.45M · min. income ≈ HK$122,476/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$477,146 · Scale 2, in force from 26 Feb 2026)