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$29,043
−HK$1,821/mo
▼ 0.25% · 3.875%
HK$29,946
−HK$918/mo
Today · 4.125%
HK$30,864
baseline
▲ 0.50% · 4.625%
HK$32,742
+HK$1,878/mo
Deposit HK$6.37M · loan HK$6.37M · min. income ≈ HK$61,728/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$477,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,309
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$33,176
−HK$879/mo
Today · 4.125%
HK$34,055
baseline
▲ 0.50% · 4.625%
HK$35,850
+HK$1,795/mo
Deposit HK$6.37M · loan HK$6.37M · min. income ≈ HK$68,110/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$477,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,851
−HK$2,185/mo
▼ 0.25% · 3.875%
HK$35,935
−HK$1,101/mo
Today · 4.125%
HK$37,036
baseline
▲ 0.50% · 4.625%
HK$39,290
+HK$2,254/mo
Deposit HK$5.09M · loan HK$7.64M · min. income ≈ HK$74,072/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$477,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,771
−HK$2,095/mo
▼ 0.25% · 3.875%
HK$39,811
−HK$1,055/mo
Today · 4.125%
HK$40,866
baseline
▲ 0.50% · 4.625%
HK$43,020
+HK$2,154/mo
Deposit HK$5.09M · loan HK$7.64M · min. income ≈ HK$81,732/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$477,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,660
−HK$2,549/mo
▼ 0.25% · 3.875%
HK$41,924
−HK$1,285/mo
Today · 4.125%
HK$43,209
baseline
▲ 0.50% · 4.625%
HK$45,838
+HK$2,629/mo
Deposit HK$3.82M · loan HK$8.92M · min. income ≈ HK$86,418/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$477,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,233
−HK$2,444/mo
▼ 0.25% · 3.875%
HK$46,446
−HK$1,231/mo
Today · 4.125%
HK$47,677
baseline
▲ 0.50% · 4.625%
HK$50,190
+HK$2,513/mo
Deposit HK$3.82M · loan HK$8.92M · min. income ≈ HK$95,354/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$477,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,277
−HK$3,278/mo
▼ 0.25% · 3.875%
HK$53,903
−HK$1,652/mo
Today · 4.125%
HK$55,555
baseline
▲ 0.50% · 4.625%
HK$58,935
+HK$3,380/mo
Deposit HK$1.27M · loan HK$11.46M · min. income ≈ HK$111,110/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$477,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,157
−HK$3,142/mo
▼ 0.25% · 3.875%
HK$59,717
−HK$1,582/mo
Today · 4.125%
HK$61,299
baseline
▲ 0.50% · 4.625%
HK$64,530
+HK$3,231/mo
Deposit HK$1.27M · loan HK$11.46M · min. income ≈ HK$122,598/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$477,620 · Scale 2, in force from 26 Feb 2026)