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$29,027
−HK$1,820/mo
▼ 0.25% · 3.875%
HK$29,929
−HK$918/mo
Today · 4.125%
HK$30,847
baseline
▲ 0.50% · 4.625%
HK$32,724
+HK$1,877/mo
Deposit HK$6.36M · loan HK$6.36M · min. income ≈ HK$61,694/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$477,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,292
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$33,158
−HK$878/mo
Today · 4.125%
HK$34,036
baseline
▲ 0.50% · 4.625%
HK$35,831
+HK$1,795/mo
Deposit HK$6.36M · loan HK$6.36M · min. income ≈ HK$68,072/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$477,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,832
−HK$2,184/mo
▼ 0.25% · 3.875%
HK$35,915
−HK$1,101/mo
Today · 4.125%
HK$37,016
baseline
▲ 0.50% · 4.625%
HK$39,269
+HK$2,253/mo
Deposit HK$5.09M · loan HK$7.64M · min. income ≈ HK$74,032/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$477,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,750
−HK$2,094/mo
▼ 0.25% · 3.875%
HK$39,789
−HK$1,055/mo
Today · 4.125%
HK$40,844
baseline
▲ 0.50% · 4.625%
HK$42,997
+HK$2,153/mo
Deposit HK$5.09M · loan HK$7.64M · min. income ≈ HK$81,688/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$477,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,637
−HK$2,549/mo
▼ 0.25% · 3.875%
HK$41,901
−HK$1,285/mo
Today · 4.125%
HK$43,186
baseline
▲ 0.50% · 4.625%
HK$45,813
+HK$2,627/mo
Deposit HK$3.82M · loan HK$8.91M · min. income ≈ HK$86,372/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$477,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,209
−HK$2,442/mo
▼ 0.25% · 3.875%
HK$46,421
−HK$1,230/mo
Today · 4.125%
HK$47,651
baseline
▲ 0.50% · 4.625%
HK$50,163
+HK$2,512/mo
Deposit HK$3.82M · loan HK$8.91M · min. income ≈ HK$95,302/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$477,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,248
−HK$3,276/mo
▼ 0.25% · 3.875%
HK$53,873
−HK$1,651/mo
Today · 4.125%
HK$55,524
baseline
▲ 0.50% · 4.625%
HK$58,903
+HK$3,379/mo
Deposit HK$1.27M · loan HK$11.46M · min. income ≈ HK$111,048/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$477,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,125
−HK$3,141/mo
▼ 0.25% · 3.875%
HK$59,684
−HK$1,582/mo
Today · 4.125%
HK$61,266
baseline
▲ 0.50% · 4.625%
HK$64,495
+HK$3,229/mo
Deposit HK$1.27M · loan HK$11.46M · min. income ≈ HK$122,532/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$477,358 · Scale 2, in force from 26 Feb 2026)