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$29,065
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$29,969
−HK$919/mo
Today · 4.125%
HK$30,888
baseline
▲ 0.50% · 4.625%
HK$32,767
+HK$1,879/mo
Deposit HK$6.37M · loan HK$6.37M · min. income ≈ HK$61,776/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$477,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,334
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$33,202
−HK$879/mo
Today · 4.125%
HK$34,081
baseline
▲ 0.50% · 4.625%
HK$35,878
+HK$1,797/mo
Deposit HK$6.37M · loan HK$6.37M · min. income ≈ HK$68,162/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$477,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,878
−HK$2,187/mo
▼ 0.25% · 3.875%
HK$35,963
−HK$1,102/mo
Today · 4.125%
HK$37,065
baseline
▲ 0.50% · 4.625%
HK$39,320
+HK$2,255/mo
Deposit HK$5.10M · loan HK$7.65M · min. income ≈ HK$74,130/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$477,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,801
−HK$2,097/mo
▼ 0.25% · 3.875%
HK$39,842
−HK$1,056/mo
Today · 4.125%
HK$40,898
baseline
▲ 0.50% · 4.625%
HK$43,053
+HK$2,155/mo
Deposit HK$5.10M · loan HK$7.65M · min. income ≈ HK$81,796/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$477,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,691
−HK$2,552/mo
▼ 0.25% · 3.875%
HK$41,957
−HK$1,286/mo
Today · 4.125%
HK$43,243
baseline
▲ 0.50% · 4.625%
HK$45,874
+HK$2,631/mo
Deposit HK$3.82M · loan HK$8.92M · min. income ≈ HK$86,486/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$477,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,268
−HK$2,446/mo
▼ 0.25% · 3.875%
HK$46,482
−HK$1,232/mo
Today · 4.125%
HK$47,714
baseline
▲ 0.50% · 4.625%
HK$50,229
+HK$2,515/mo
Deposit HK$3.82M · loan HK$8.92M · min. income ≈ HK$95,428/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$477,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,317
−HK$3,281/mo
▼ 0.25% · 3.875%
HK$53,944
−HK$1,654/mo
Today · 4.125%
HK$55,598
baseline
▲ 0.50% · 4.625%
HK$58,981
+HK$3,383/mo
Deposit HK$1.27M · loan HK$11.47M · min. income ≈ HK$111,196/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$477,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,202
−HK$3,144/mo
▼ 0.25% · 3.875%
HK$59,763
−HK$1,583/mo
Today · 4.125%
HK$61,346
baseline
▲ 0.50% · 4.625%
HK$64,580
+HK$3,234/mo
Deposit HK$1.27M · loan HK$11.47M · min. income ≈ HK$122,692/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$477,988 · Scale 2, in force from 26 Feb 2026)