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$29,037
−HK$1,821/mo
▼ 0.25% · 3.875%
HK$29,940
−HK$918/mo
Today · 4.125%
HK$30,858
baseline
▲ 0.50% · 4.625%
HK$32,735
+HK$1,877/mo
Deposit HK$6.37M · loan HK$6.37M · min. income ≈ HK$61,716/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$477,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,303
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$33,170
−HK$879/mo
Today · 4.125%
HK$34,049
baseline
▲ 0.50% · 4.625%
HK$35,843
+HK$1,794/mo
Deposit HK$6.37M · loan HK$6.37M · min. income ≈ HK$68,098/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$477,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,844
−HK$2,185/mo
▼ 0.25% · 3.875%
HK$35,928
−HK$1,101/mo
Today · 4.125%
HK$37,029
baseline
▲ 0.50% · 4.625%
HK$39,282
+HK$2,253/mo
Deposit HK$5.09M · loan HK$7.64M · min. income ≈ HK$74,058/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$477,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,764
−HK$2,094/mo
▼ 0.25% · 3.875%
HK$39,804
−HK$1,054/mo
Today · 4.125%
HK$40,858
baseline
▲ 0.50% · 4.625%
HK$43,012
+HK$2,154/mo
Deposit HK$5.09M · loan HK$7.64M · min. income ≈ HK$81,716/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$477,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,652
−HK$2,549/mo
▼ 0.25% · 3.875%
HK$41,916
−HK$1,285/mo
Today · 4.125%
HK$43,201
baseline
▲ 0.50% · 4.625%
HK$45,830
+HK$2,629/mo
Deposit HK$3.82M · loan HK$8.91M · min. income ≈ HK$86,402/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$477,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,225
−HK$2,443/mo
▼ 0.25% · 3.875%
HK$46,437
−HK$1,231/mo
Today · 4.125%
HK$47,668
baseline
▲ 0.50% · 4.625%
HK$50,181
+HK$2,513/mo
Deposit HK$3.82M · loan HK$8.91M · min. income ≈ HK$95,336/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$477,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,266
−HK$3,278/mo
▼ 0.25% · 3.875%
HK$53,892
−HK$1,652/mo
Today · 4.125%
HK$55,544
baseline
▲ 0.50% · 4.625%
HK$58,924
+HK$3,380/mo
Deposit HK$1.27M · loan HK$11.46M · min. income ≈ HK$111,088/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$477,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,146
−HK$3,141/mo
▼ 0.25% · 3.875%
HK$59,705
−HK$1,582/mo
Today · 4.125%
HK$61,287
baseline
▲ 0.50% · 4.625%
HK$64,518
+HK$3,231/mo
Deposit HK$1.27M · loan HK$11.46M · min. income ≈ HK$122,574/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$477,528 · Scale 2, in force from 26 Feb 2026)