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$28,942
−HK$1,815/mo
▼ 0.25% · 3.875%
HK$29,843
−HK$914/mo
Today · 4.125%
HK$30,757
baseline
▲ 0.50% · 4.625%
HK$32,629
+HK$1,872/mo
Deposit HK$6.35M · loan HK$6.35M · min. income ≈ HK$61,514/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$475,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,198
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$33,062
−HK$876/mo
Today · 4.125%
HK$33,938
baseline
▲ 0.50% · 4.625%
HK$35,727
+HK$1,789/mo
Deposit HK$6.35M · loan HK$6.35M · min. income ≈ HK$67,876/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$475,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,731
−HK$2,178/mo
▼ 0.25% · 3.875%
HK$35,811
−HK$1,098/mo
Today · 4.125%
HK$36,909
baseline
▲ 0.50% · 4.625%
HK$39,155
+HK$2,246/mo
Deposit HK$5.08M · loan HK$7.62M · min. income ≈ HK$73,818/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$475,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,638
−HK$2,087/mo
▼ 0.25% · 3.875%
HK$39,674
−HK$1,051/mo
Today · 4.125%
HK$40,725
baseline
▲ 0.50% · 4.625%
HK$42,872
+HK$2,147/mo
Deposit HK$5.08M · loan HK$7.62M · min. income ≈ HK$81,450/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$475,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,519
−HK$2,541/mo
▼ 0.25% · 3.875%
HK$41,780
−HK$1,280/mo
Today · 4.125%
HK$43,060
baseline
▲ 0.50% · 4.625%
HK$45,680
+HK$2,620/mo
Deposit HK$3.81M · loan HK$8.88M · min. income ≈ HK$86,120/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,077
−HK$2,436/mo
▼ 0.25% · 3.875%
HK$46,286
−HK$1,227/mo
Today · 4.125%
HK$47,513
baseline
▲ 0.50% · 4.625%
HK$50,017
+HK$2,504/mo
Deposit HK$3.81M · loan HK$8.88M · min. income ≈ HK$95,026/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,096
−HK$3,267/mo
▼ 0.25% · 3.875%
HK$53,717
−HK$1,646/mo
Today · 4.125%
HK$55,363
baseline
▲ 0.50% · 4.625%
HK$58,732
+HK$3,369/mo
Deposit HK$1.27M · loan HK$11.42M · min. income ≈ HK$110,726/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$475,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,957
−HK$3,131/mo
▼ 0.25% · 3.875%
HK$59,511
−HK$1,577/mo
Today · 4.125%
HK$61,088
baseline
▲ 0.50% · 4.625%
HK$64,308
+HK$3,220/mo
Deposit HK$1.27M · loan HK$11.42M · min. income ≈ HK$122,176/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$475,973 · Scale 2, in force from 26 Feb 2026)