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$29,147
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$30,054
−HK$921/mo
Today · 4.125%
HK$30,975
baseline
▲ 0.50% · 4.625%
HK$32,860
+HK$1,885/mo
Deposit HK$6.39M · loan HK$6.39M · min. income ≈ HK$61,950/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$479,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,426
−HK$1,752/mo
▼ 0.25% · 3.875%
HK$33,296
−HK$882/mo
Today · 4.125%
HK$34,178
baseline
▲ 0.50% · 4.625%
HK$35,979
+HK$1,801/mo
Deposit HK$6.39M · loan HK$6.39M · min. income ≈ HK$68,356/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$479,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,977
−HK$2,193/mo
▼ 0.25% · 3.875%
HK$36,065
−HK$1,105/mo
Today · 4.125%
HK$37,170
baseline
▲ 0.50% · 4.625%
HK$39,432
+HK$2,262/mo
Deposit HK$5.11M · loan HK$7.67M · min. income ≈ HK$74,340/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$479,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,911
−HK$2,102/mo
▼ 0.25% · 3.875%
HK$39,955
−HK$1,058/mo
Today · 4.125%
HK$41,013
baseline
▲ 0.50% · 4.625%
HK$43,175
+HK$2,162/mo
Deposit HK$5.11M · loan HK$7.67M · min. income ≈ HK$82,026/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$479,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,806
−HK$2,559/mo
▼ 0.25% · 3.875%
HK$42,075
−HK$1,290/mo
Today · 4.125%
HK$43,365
baseline
▲ 0.50% · 4.625%
HK$46,004
+HK$2,639/mo
Deposit HK$3.83M · loan HK$8.95M · min. income ≈ HK$86,730/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$479,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,396
−HK$2,453/mo
▼ 0.25% · 3.875%
HK$46,614
−HK$1,235/mo
Today · 4.125%
HK$47,849
baseline
▲ 0.50% · 4.625%
HK$50,371
+HK$2,522/mo
Deposit HK$3.83M · loan HK$8.95M · min. income ≈ HK$95,698/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$479,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,465
−HK$3,290/mo
▼ 0.25% · 3.875%
HK$54,097
−HK$1,658/mo
Today · 4.125%
HK$55,755
baseline
▲ 0.50% · 4.625%
HK$59,147
+HK$3,392/mo
Deposit HK$1.28M · loan HK$11.50M · min. income ≈ HK$111,510/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$479,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,367
−HK$3,153/mo
▼ 0.25% · 3.875%
HK$59,932
−HK$1,588/mo
Today · 4.125%
HK$61,520
baseline
▲ 0.50% · 4.625%
HK$64,763
+HK$3,243/mo
Deposit HK$1.28M · loan HK$11.50M · min. income ≈ HK$123,040/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$479,340 · Scale 2, in force from 26 Feb 2026)