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$29,152
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$30,059
−HK$921/mo
Today · 4.125%
HK$30,980
baseline
▲ 0.50% · 4.625%
HK$32,865
+HK$1,885/mo
Deposit HK$6.39M · loan HK$6.39M · min. income ≈ HK$61,960/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$479,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,432
−HK$1,752/mo
▼ 0.25% · 3.875%
HK$33,301
−HK$883/mo
Today · 4.125%
HK$34,184
baseline
▲ 0.50% · 4.625%
HK$35,986
+HK$1,802/mo
Deposit HK$6.39M · loan HK$6.39M · min. income ≈ HK$68,368/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$479,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,983
−HK$2,193/mo
▼ 0.25% · 3.875%
HK$36,071
−HK$1,105/mo
Today · 4.125%
HK$37,176
baseline
▲ 0.50% · 4.625%
HK$39,439
+HK$2,263/mo
Deposit HK$5.11M · loan HK$7.67M · min. income ≈ HK$74,352/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$479,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,918
−HK$2,103/mo
▼ 0.25% · 3.875%
HK$39,962
−HK$1,059/mo
Today · 4.125%
HK$41,021
baseline
▲ 0.50% · 4.625%
HK$43,183
+HK$2,162/mo
Deposit HK$5.11M · loan HK$7.67M · min. income ≈ HK$82,042/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$479,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,813
−HK$2,560/mo
▼ 0.25% · 3.875%
HK$42,083
−HK$1,290/mo
Today · 4.125%
HK$43,373
baseline
▲ 0.50% · 4.625%
HK$46,012
+HK$2,639/mo
Deposit HK$3.84M · loan HK$8.95M · min. income ≈ HK$86,746/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$479,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,404
−HK$2,453/mo
▼ 0.25% · 3.875%
HK$46,622
−HK$1,235/mo
Today · 4.125%
HK$47,857
baseline
▲ 0.50% · 4.625%
HK$50,380
+HK$2,523/mo
Deposit HK$3.84M · loan HK$8.95M · min. income ≈ HK$95,714/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$479,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,474
−HK$3,291/mo
▼ 0.25% · 3.875%
HK$54,106
−HK$1,659/mo
Today · 4.125%
HK$55,765
baseline
▲ 0.50% · 4.625%
HK$59,158
+HK$3,393/mo
Deposit HK$1.28M · loan HK$11.51M · min. income ≈ HK$111,530/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$479,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,377
−HK$3,154/mo
▼ 0.25% · 3.875%
HK$59,943
−HK$1,588/mo
Today · 4.125%
HK$61,531
baseline
▲ 0.50% · 4.625%
HK$64,774
+HK$3,243/mo
Deposit HK$1.28M · loan HK$11.51M · min. income ≈ HK$123,062/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$479,425 · Scale 2, in force from 26 Feb 2026)