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$29,139
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$30,045
−HK$921/mo
Today · 4.125%
HK$30,966
baseline
▲ 0.50% · 4.625%
HK$32,850
+HK$1,884/mo
Deposit HK$6.39M · loan HK$6.39M · min. income ≈ HK$61,932/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$479,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,417
−HK$1,751/mo
▼ 0.25% · 3.875%
HK$33,286
−HK$882/mo
Today · 4.125%
HK$34,168
baseline
▲ 0.50% · 4.625%
HK$35,969
+HK$1,801/mo
Deposit HK$6.39M · loan HK$6.39M · min. income ≈ HK$68,336/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$479,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,967
−HK$2,193/mo
▼ 0.25% · 3.875%
HK$36,054
−HK$1,106/mo
Today · 4.125%
HK$37,160
baseline
▲ 0.50% · 4.625%
HK$39,421
+HK$2,261/mo
Deposit HK$5.11M · loan HK$7.67M · min. income ≈ HK$74,320/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$479,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,900
−HK$2,102/mo
▼ 0.25% · 3.875%
HK$39,943
−HK$1,059/mo
Today · 4.125%
HK$41,002
baseline
▲ 0.50% · 4.625%
HK$43,163
+HK$2,161/mo
Deposit HK$5.11M · loan HK$7.67M · min. income ≈ HK$82,004/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$479,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,795
−HK$2,558/mo
▼ 0.25% · 3.875%
HK$42,064
−HK$1,289/mo
Today · 4.125%
HK$43,353
baseline
▲ 0.50% · 4.625%
HK$45,991
+HK$2,638/mo
Deposit HK$3.83M · loan HK$8.95M · min. income ≈ HK$86,706/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$479,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,384
−HK$2,452/mo
▼ 0.25% · 3.875%
HK$46,601
−HK$1,235/mo
Today · 4.125%
HK$47,836
baseline
▲ 0.50% · 4.625%
HK$50,357
+HK$2,521/mo
Deposit HK$3.83M · loan HK$8.95M · min. income ≈ HK$95,672/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$479,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,450
−HK$3,289/mo
▼ 0.25% · 3.875%
HK$54,082
−HK$1,657/mo
Today · 4.125%
HK$55,739
baseline
▲ 0.50% · 4.625%
HK$59,131
+HK$3,392/mo
Deposit HK$1.28M · loan HK$11.50M · min. income ≈ HK$111,478/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$479,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,350
−HK$3,153/mo
▼ 0.25% · 3.875%
HK$59,915
−HK$1,588/mo
Today · 4.125%
HK$61,503
baseline
▲ 0.50% · 4.625%
HK$64,745
+HK$3,242/mo
Deposit HK$1.28M · loan HK$11.50M · min. income ≈ HK$123,006/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$479,206 · Scale 2, in force from 26 Feb 2026)