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$29,143
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$30,050
−HK$921/mo
Today · 4.125%
HK$30,971
baseline
▲ 0.50% · 4.625%
HK$32,855
+HK$1,884/mo
Deposit HK$6.39M · loan HK$6.39M · min. income ≈ HK$61,942/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$479,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,422
−HK$1,751/mo
▼ 0.25% · 3.875%
HK$33,291
−HK$882/mo
Today · 4.125%
HK$34,173
baseline
▲ 0.50% · 4.625%
HK$35,974
+HK$1,801/mo
Deposit HK$6.39M · loan HK$6.39M · min. income ≈ HK$68,346/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$479,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,972
−HK$2,193/mo
▼ 0.25% · 3.875%
HK$36,060
−HK$1,105/mo
Today · 4.125%
HK$37,165
baseline
▲ 0.50% · 4.625%
HK$39,426
+HK$2,261/mo
Deposit HK$5.11M · loan HK$7.67M · min. income ≈ HK$74,330/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$479,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,906
−HK$2,102/mo
▼ 0.25% · 3.875%
HK$39,949
−HK$1,059/mo
Today · 4.125%
HK$41,008
baseline
▲ 0.50% · 4.625%
HK$43,169
+HK$2,161/mo
Deposit HK$5.11M · loan HK$7.67M · min. income ≈ HK$82,016/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$479,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,801
−HK$2,558/mo
▼ 0.25% · 3.875%
HK$42,070
−HK$1,289/mo
Today · 4.125%
HK$43,359
baseline
▲ 0.50% · 4.625%
HK$45,997
+HK$2,638/mo
Deposit HK$3.83M · loan HK$8.95M · min. income ≈ HK$86,718/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$479,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,390
−HK$2,452/mo
▼ 0.25% · 3.875%
HK$46,608
−HK$1,234/mo
Today · 4.125%
HK$47,842
baseline
▲ 0.50% · 4.625%
HK$50,364
+HK$2,522/mo
Deposit HK$3.83M · loan HK$8.95M · min. income ≈ HK$95,684/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$479,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,458
−HK$3,289/mo
▼ 0.25% · 3.875%
HK$54,090
−HK$1,657/mo
Today · 4.125%
HK$55,747
baseline
▲ 0.50% · 4.625%
HK$59,139
+HK$3,392/mo
Deposit HK$1.28M · loan HK$11.50M · min. income ≈ HK$111,494/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$479,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,359
−HK$3,153/mo
▼ 0.25% · 3.875%
HK$59,924
−HK$1,588/mo
Today · 4.125%
HK$61,512
baseline
▲ 0.50% · 4.625%
HK$64,754
+HK$3,242/mo
Deposit HK$1.28M · loan HK$11.50M · min. income ≈ HK$123,024/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$479,276 · Scale 2, in force from 26 Feb 2026)