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$29,030
−HK$1,820/mo
▼ 0.25% · 3.875%
HK$29,933
−HK$917/mo
Today · 4.125%
HK$30,850
baseline
▲ 0.50% · 4.625%
HK$32,727
+HK$1,877/mo
Deposit HK$6.37M · loan HK$6.37M · min. income ≈ HK$61,700/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$477,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,295
−HK$1,745/mo
▼ 0.25% · 3.875%
HK$33,161
−HK$879/mo
Today · 4.125%
HK$34,040
baseline
▲ 0.50% · 4.625%
HK$35,834
+HK$1,794/mo
Deposit HK$6.37M · loan HK$6.37M · min. income ≈ HK$68,080/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$477,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,836
−HK$2,184/mo
▼ 0.25% · 3.875%
HK$35,919
−HK$1,101/mo
Today · 4.125%
HK$37,020
baseline
▲ 0.50% · 4.625%
HK$39,273
+HK$2,253/mo
Deposit HK$5.09M · loan HK$7.64M · min. income ≈ HK$74,040/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$477,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,754
−HK$2,094/mo
▼ 0.25% · 3.875%
HK$39,794
−HK$1,054/mo
Today · 4.125%
HK$40,848
baseline
▲ 0.50% · 4.625%
HK$43,001
+HK$2,153/mo
Deposit HK$5.09M · loan HK$7.64M · min. income ≈ HK$81,696/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$477,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,641
−HK$2,549/mo
▼ 0.25% · 3.875%
HK$41,906
−HK$1,284/mo
Today · 4.125%
HK$43,190
baseline
▲ 0.50% · 4.625%
HK$45,818
+HK$2,628/mo
Deposit HK$3.82M · loan HK$8.91M · min. income ≈ HK$86,380/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$477,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,213
−HK$2,443/mo
▼ 0.25% · 3.875%
HK$46,426
−HK$1,230/mo
Today · 4.125%
HK$47,656
baseline
▲ 0.50% · 4.625%
HK$50,168
+HK$2,512/mo
Deposit HK$3.82M · loan HK$8.91M · min. income ≈ HK$95,312/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$477,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,253
−HK$3,277/mo
▼ 0.25% · 3.875%
HK$53,879
−HK$1,651/mo
Today · 4.125%
HK$55,530
baseline
▲ 0.50% · 4.625%
HK$58,909
+HK$3,379/mo
Deposit HK$1.27M · loan HK$11.46M · min. income ≈ HK$111,060/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$477,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,131
−HK$3,141/mo
▼ 0.25% · 3.875%
HK$59,690
−HK$1,582/mo
Today · 4.125%
HK$61,272
baseline
▲ 0.50% · 4.625%
HK$64,502
+HK$3,230/mo
Deposit HK$1.27M · loan HK$11.46M · min. income ≈ HK$122,544/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$477,408 · Scale 2, in force from 26 Feb 2026)