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$29,156
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$30,063
−HK$922/mo
Today · 4.125%
HK$30,985
baseline
▲ 0.50% · 4.625%
HK$32,870
+HK$1,885/mo
Deposit HK$6.39M · loan HK$6.39M · min. income ≈ HK$61,970/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$479,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,436
−HK$1,753/mo
▼ 0.25% · 3.875%
HK$33,306
−HK$883/mo
Today · 4.125%
HK$34,189
baseline
▲ 0.50% · 4.625%
HK$35,991
+HK$1,802/mo
Deposit HK$6.39M · loan HK$6.39M · min. income ≈ HK$68,378/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$479,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,988
−HK$2,194/mo
▼ 0.25% · 3.875%
HK$36,076
−HK$1,106/mo
Today · 4.125%
HK$37,182
baseline
▲ 0.50% · 4.625%
HK$39,444
+HK$2,262/mo
Deposit HK$5.11M · loan HK$7.67M · min. income ≈ HK$74,364/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$479,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,923
−HK$2,103/mo
▼ 0.25% · 3.875%
HK$39,967
−HK$1,059/mo
Today · 4.125%
HK$41,026
baseline
▲ 0.50% · 4.625%
HK$43,189
+HK$2,163/mo
Deposit HK$5.11M · loan HK$7.67M · min. income ≈ HK$82,052/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$479,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,819
−HK$2,560/mo
▼ 0.25% · 3.875%
HK$42,089
−HK$1,290/mo
Today · 4.125%
HK$43,379
baseline
▲ 0.50% · 4.625%
HK$46,018
+HK$2,639/mo
Deposit HK$3.84M · loan HK$8.95M · min. income ≈ HK$86,758/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$479,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,411
−HK$2,453/mo
▼ 0.25% · 3.875%
HK$46,628
−HK$1,236/mo
Today · 4.125%
HK$47,864
baseline
▲ 0.50% · 4.625%
HK$50,387
+HK$2,523/mo
Deposit HK$3.84M · loan HK$8.95M · min. income ≈ HK$95,728/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$479,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,481
−HK$3,291/mo
▼ 0.25% · 3.875%
HK$54,114
−HK$1,658/mo
Today · 4.125%
HK$55,772
baseline
▲ 0.50% · 4.625%
HK$59,166
+HK$3,394/mo
Deposit HK$1.28M · loan HK$11.51M · min. income ≈ HK$111,544/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$479,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,385
−HK$3,154/mo
▼ 0.25% · 3.875%
HK$59,951
−HK$1,588/mo
Today · 4.125%
HK$61,539
baseline
▲ 0.50% · 4.625%
HK$64,783
+HK$3,244/mo
Deposit HK$1.28M · loan HK$11.51M · min. income ≈ HK$123,078/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$479,491 · Scale 2, in force from 26 Feb 2026)