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$29,135
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$30,042
−HK$920/mo
Today · 4.125%
HK$30,962
baseline
▲ 0.50% · 4.625%
HK$32,846
+HK$1,884/mo
Deposit HK$6.39M · loan HK$6.39M · min. income ≈ HK$61,924/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$479,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,413
−HK$1,751/mo
▼ 0.25% · 3.875%
HK$33,282
−HK$882/mo
Today · 4.125%
HK$34,164
baseline
▲ 0.50% · 4.625%
HK$35,965
+HK$1,801/mo
Deposit HK$6.39M · loan HK$6.39M · min. income ≈ HK$68,328/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$479,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,962
−HK$2,193/mo
▼ 0.25% · 3.875%
HK$36,050
−HK$1,105/mo
Today · 4.125%
HK$37,155
baseline
▲ 0.50% · 4.625%
HK$39,416
+HK$2,261/mo
Deposit HK$5.11M · loan HK$7.67M · min. income ≈ HK$74,310/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$479,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,895
−HK$2,102/mo
▼ 0.25% · 3.875%
HK$39,939
−HK$1,058/mo
Today · 4.125%
HK$40,997
baseline
▲ 0.50% · 4.625%
HK$43,158
+HK$2,161/mo
Deposit HK$5.11M · loan HK$7.67M · min. income ≈ HK$81,994/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$479,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,790
−HK$2,557/mo
▼ 0.25% · 3.875%
HK$42,058
−HK$1,289/mo
Today · 4.125%
HK$43,347
baseline
▲ 0.50% · 4.625%
HK$45,985
+HK$2,638/mo
Deposit HK$3.83M · loan HK$8.94M · min. income ≈ HK$86,694/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$479,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,378
−HK$2,452/mo
▼ 0.25% · 3.875%
HK$46,595
−HK$1,235/mo
Today · 4.125%
HK$47,830
baseline
▲ 0.50% · 4.625%
HK$50,351
+HK$2,521/mo
Deposit HK$3.83M · loan HK$8.94M · min. income ≈ HK$95,660/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$479,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,444
−HK$3,288/mo
▼ 0.25% · 3.875%
HK$54,075
−HK$1,657/mo
Today · 4.125%
HK$55,732
baseline
▲ 0.50% · 4.625%
HK$59,124
+HK$3,392/mo
Deposit HK$1.28M · loan HK$11.50M · min. income ≈ HK$111,464/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$479,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,343
−HK$3,152/mo
▼ 0.25% · 3.875%
HK$59,908
−HK$1,587/mo
Today · 4.125%
HK$61,495
baseline
▲ 0.50% · 4.625%
HK$64,737
+HK$3,242/mo
Deposit HK$1.28M · loan HK$11.50M · min. income ≈ HK$122,990/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$479,147 · Scale 2, in force from 26 Feb 2026)