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$29,163
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$30,070
−HK$922/mo
Today · 4.125%
HK$30,992
baseline
▲ 0.50% · 4.625%
HK$32,878
+HK$1,886/mo
Deposit HK$6.39M · loan HK$6.39M · min. income ≈ HK$61,984/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$479,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,444
−HK$1,752/mo
▼ 0.25% · 3.875%
HK$33,314
−HK$882/mo
Today · 4.125%
HK$34,196
baseline
▲ 0.50% · 4.625%
HK$35,999
+HK$1,803/mo
Deposit HK$6.39M · loan HK$6.39M · min. income ≈ HK$68,392/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$479,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,996
−HK$2,194/mo
▼ 0.25% · 3.875%
HK$36,084
−HK$1,106/mo
Today · 4.125%
HK$37,190
baseline
▲ 0.50% · 4.625%
HK$39,453
+HK$2,263/mo
Deposit HK$5.12M · loan HK$7.67M · min. income ≈ HK$74,380/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$479,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,932
−HK$2,104/mo
▼ 0.25% · 3.875%
HK$39,976
−HK$1,060/mo
Today · 4.125%
HK$41,036
baseline
▲ 0.50% · 4.625%
HK$43,199
+HK$2,163/mo
Deposit HK$5.12M · loan HK$7.67M · min. income ≈ HK$82,072/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$479,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,828
−HK$2,561/mo
▼ 0.25% · 3.875%
HK$42,098
−HK$1,291/mo
Today · 4.125%
HK$43,389
baseline
▲ 0.50% · 4.625%
HK$46,029
+HK$2,640/mo
Deposit HK$3.84M · loan HK$8.95M · min. income ≈ HK$86,778/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$479,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,421
−HK$2,454/mo
▼ 0.25% · 3.875%
HK$46,639
−HK$1,236/mo
Today · 4.125%
HK$47,875
baseline
▲ 0.50% · 4.625%
HK$50,398
+HK$2,523/mo
Deposit HK$3.84M · loan HK$8.95M · min. income ≈ HK$95,750/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$479,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,493
−HK$3,292/mo
▼ 0.25% · 3.875%
HK$54,126
−HK$1,659/mo
Today · 4.125%
HK$55,785
baseline
▲ 0.50% · 4.625%
HK$59,180
+HK$3,395/mo
Deposit HK$1.28M · loan HK$11.51M · min. income ≈ HK$111,570/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$479,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,398
−HK$3,155/mo
▼ 0.25% · 3.875%
HK$59,965
−HK$1,588/mo
Today · 4.125%
HK$61,553
baseline
▲ 0.50% · 4.625%
HK$64,798
+HK$3,245/mo
Deposit HK$1.28M · loan HK$11.51M · min. income ≈ HK$123,106/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$479,601 · Scale 2, in force from 26 Feb 2026)