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$29,037
−HK$1,821/mo
▼ 0.25% · 3.875%
HK$29,940
−HK$918/mo
Today · 4.125%
HK$30,858
baseline
▲ 0.50% · 4.625%
HK$32,736
+HK$1,878/mo
Deposit HK$6.37M · loan HK$6.37M · min. income ≈ HK$61,716/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$477,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,304
−HK$1,745/mo
▼ 0.25% · 3.875%
HK$33,170
−HK$879/mo
Today · 4.125%
HK$34,049
baseline
▲ 0.50% · 4.625%
HK$35,844
+HK$1,795/mo
Deposit HK$6.37M · loan HK$6.37M · min. income ≈ HK$68,098/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$477,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,845
−HK$2,185/mo
▼ 0.25% · 3.875%
HK$35,929
−HK$1,101/mo
Today · 4.125%
HK$37,030
baseline
▲ 0.50% · 4.625%
HK$39,283
+HK$2,253/mo
Deposit HK$5.09M · loan HK$7.64M · min. income ≈ HK$74,060/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$477,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,764
−HK$2,095/mo
▼ 0.25% · 3.875%
HK$39,804
−HK$1,055/mo
Today · 4.125%
HK$40,859
baseline
▲ 0.50% · 4.625%
HK$43,012
+HK$2,153/mo
Deposit HK$5.09M · loan HK$7.64M · min. income ≈ HK$81,718/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$477,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,652
−HK$2,549/mo
▼ 0.25% · 3.875%
HK$41,917
−HK$1,284/mo
Today · 4.125%
HK$43,201
baseline
▲ 0.50% · 4.625%
HK$45,830
+HK$2,629/mo
Deposit HK$3.82M · loan HK$8.91M · min. income ≈ HK$86,402/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$477,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,225
−HK$2,443/mo
▼ 0.25% · 3.875%
HK$46,438
−HK$1,230/mo
Today · 4.125%
HK$47,668
baseline
▲ 0.50% · 4.625%
HK$50,181
+HK$2,513/mo
Deposit HK$3.82M · loan HK$8.91M · min. income ≈ HK$95,336/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$477,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,267
−HK$3,278/mo
▼ 0.25% · 3.875%
HK$53,893
−HK$1,652/mo
Today · 4.125%
HK$55,545
baseline
▲ 0.50% · 4.625%
HK$58,924
+HK$3,379/mo
Deposit HK$1.27M · loan HK$11.46M · min. income ≈ HK$111,090/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$477,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,147
−HK$3,141/mo
▼ 0.25% · 3.875%
HK$59,706
−HK$1,582/mo
Today · 4.125%
HK$61,288
baseline
▲ 0.50% · 4.625%
HK$64,519
+HK$3,231/mo
Deposit HK$1.27M · loan HK$11.46M · min. income ≈ HK$122,576/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$477,533 · Scale 2, in force from 26 Feb 2026)