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$29,153
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$30,060
−HK$922/mo
Today · 4.125%
HK$30,982
baseline
▲ 0.50% · 4.625%
HK$32,867
+HK$1,885/mo
Deposit HK$6.39M · loan HK$6.39M · min. income ≈ HK$61,964/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$479,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,433
−HK$1,752/mo
▼ 0.25% · 3.875%
HK$33,303
−HK$882/mo
Today · 4.125%
HK$34,185
baseline
▲ 0.50% · 4.625%
HK$35,987
+HK$1,802/mo
Deposit HK$6.39M · loan HK$6.39M · min. income ≈ HK$68,370/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$479,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,984
−HK$2,194/mo
▼ 0.25% · 3.875%
HK$36,072
−HK$1,106/mo
Today · 4.125%
HK$37,178
baseline
▲ 0.50% · 4.625%
HK$39,440
+HK$2,262/mo
Deposit HK$5.11M · loan HK$7.67M · min. income ≈ HK$74,356/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$479,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,919
−HK$2,103/mo
▼ 0.25% · 3.875%
HK$39,963
−HK$1,059/mo
Today · 4.125%
HK$41,022
baseline
▲ 0.50% · 4.625%
HK$43,185
+HK$2,163/mo
Deposit HK$5.11M · loan HK$7.67M · min. income ≈ HK$82,044/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$479,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,815
−HK$2,559/mo
▼ 0.25% · 3.875%
HK$42,084
−HK$1,290/mo
Today · 4.125%
HK$43,374
baseline
▲ 0.50% · 4.625%
HK$46,013
+HK$2,639/mo
Deposit HK$3.84M · loan HK$8.95M · min. income ≈ HK$86,748/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$479,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,406
−HK$2,453/mo
▼ 0.25% · 3.875%
HK$46,624
−HK$1,235/mo
Today · 4.125%
HK$47,859
baseline
▲ 0.50% · 4.625%
HK$50,382
+HK$2,523/mo
Deposit HK$3.84M · loan HK$8.95M · min. income ≈ HK$95,718/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$479,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,476
−HK$3,291/mo
▼ 0.25% · 3.875%
HK$54,108
−HK$1,659/mo
Today · 4.125%
HK$55,767
baseline
▲ 0.50% · 4.625%
HK$59,160
+HK$3,393/mo
Deposit HK$1.28M · loan HK$11.51M · min. income ≈ HK$111,534/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$479,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,379
−HK$3,154/mo
▼ 0.25% · 3.875%
HK$59,945
−HK$1,588/mo
Today · 4.125%
HK$61,533
baseline
▲ 0.50% · 4.625%
HK$64,777
+HK$3,244/mo
Deposit HK$1.28M · loan HK$11.51M · min. income ≈ HK$123,066/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$479,444 · Scale 2, in force from 26 Feb 2026)