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$29,018
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$29,920
−HK$917/mo
Today · 4.125%
HK$30,837
baseline
▲ 0.50% · 4.625%
HK$32,714
+HK$1,877/mo
Deposit HK$6.36M · loan HK$6.36M · min. income ≈ HK$61,674/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$477,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,282
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$33,148
−HK$878/mo
Today · 4.125%
HK$34,026
baseline
▲ 0.50% · 4.625%
HK$35,819
+HK$1,793/mo
Deposit HK$6.36M · loan HK$6.36M · min. income ≈ HK$68,052/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$477,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,821
−HK$2,184/mo
▼ 0.25% · 3.875%
HK$35,904
−HK$1,101/mo
Today · 4.125%
HK$37,005
baseline
▲ 0.50% · 4.625%
HK$39,256
+HK$2,251/mo
Deposit HK$5.09M · loan HK$7.64M · min. income ≈ HK$74,010/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$477,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,738
−HK$2,093/mo
▼ 0.25% · 3.875%
HK$39,777
−HK$1,054/mo
Today · 4.125%
HK$40,831
baseline
▲ 0.50% · 4.625%
HK$42,983
+HK$2,152/mo
Deposit HK$5.09M · loan HK$7.64M · min. income ≈ HK$81,662/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$477,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,625
−HK$2,547/mo
▼ 0.25% · 3.875%
HK$41,888
−HK$1,284/mo
Today · 4.125%
HK$43,172
baseline
▲ 0.50% · 4.625%
HK$45,799
+HK$2,627/mo
Deposit HK$3.82M · loan HK$8.91M · min. income ≈ HK$86,344/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$477,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,195
−HK$2,441/mo
▼ 0.25% · 3.875%
HK$46,407
−HK$1,229/mo
Today · 4.125%
HK$47,636
baseline
▲ 0.50% · 4.625%
HK$50,147
+HK$2,511/mo
Deposit HK$3.82M · loan HK$8.91M · min. income ≈ HK$95,272/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$477,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,232
−HK$3,275/mo
▼ 0.25% · 3.875%
HK$53,856
−HK$1,651/mo
Today · 4.125%
HK$55,507
baseline
▲ 0.50% · 4.625%
HK$58,885
+HK$3,378/mo
Deposit HK$1.27M · loan HK$11.45M · min. income ≈ HK$111,014/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$477,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,107
−HK$3,140/mo
▼ 0.25% · 3.875%
HK$59,666
−HK$1,581/mo
Today · 4.125%
HK$61,247
baseline
▲ 0.50% · 4.625%
HK$64,475
+HK$3,228/mo
Deposit HK$1.27M · loan HK$11.45M · min. income ≈ HK$122,494/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$477,211 · Scale 2, in force from 26 Feb 2026)