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$28,960
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$29,861
−HK$915/mo
Today · 4.125%
HK$30,776
baseline
▲ 0.50% · 4.625%
HK$32,649
+HK$1,873/mo
Deposit HK$6.35M · loan HK$6.35M · min. income ≈ HK$61,552/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$476,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,218
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$33,082
−HK$876/mo
Today · 4.125%
HK$33,958
baseline
▲ 0.50% · 4.625%
HK$35,748
+HK$1,790/mo
Deposit HK$6.35M · loan HK$6.35M · min. income ≈ HK$67,916/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$476,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,752
−HK$2,179/mo
▼ 0.25% · 3.875%
HK$35,833
−HK$1,098/mo
Today · 4.125%
HK$36,931
baseline
▲ 0.50% · 4.625%
HK$39,178
+HK$2,247/mo
Deposit HK$5.08M · loan HK$7.62M · min. income ≈ HK$73,862/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$476,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,661
−HK$2,089/mo
▼ 0.25% · 3.875%
HK$39,698
−HK$1,052/mo
Today · 4.125%
HK$40,750
baseline
▲ 0.50% · 4.625%
HK$42,898
+HK$2,148/mo
Deposit HK$5.08M · loan HK$7.62M · min. income ≈ HK$81,500/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$476,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,544
−HK$2,542/mo
▼ 0.25% · 3.875%
HK$41,805
−HK$1,281/mo
Today · 4.125%
HK$43,086
baseline
▲ 0.50% · 4.625%
HK$45,708
+HK$2,622/mo
Deposit HK$3.81M · loan HK$8.89M · min. income ≈ HK$86,172/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$476,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,105
−HK$2,437/mo
▼ 0.25% · 3.875%
HK$46,314
−HK$1,228/mo
Today · 4.125%
HK$47,542
baseline
▲ 0.50% · 4.625%
HK$50,048
+HK$2,506/mo
Deposit HK$3.81M · loan HK$8.89M · min. income ≈ HK$95,084/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$476,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,128
−HK$3,269/mo
▼ 0.25% · 3.875%
HK$53,749
−HK$1,648/mo
Today · 4.125%
HK$55,397
baseline
▲ 0.50% · 4.625%
HK$58,768
+HK$3,371/mo
Deposit HK$1.27M · loan HK$11.43M · min. income ≈ HK$110,794/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$476,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,992
−HK$3,133/mo
▼ 0.25% · 3.875%
HK$59,547
−HK$1,578/mo
Today · 4.125%
HK$61,125
baseline
▲ 0.50% · 4.625%
HK$64,347
+HK$3,222/mo
Deposit HK$1.27M · loan HK$11.43M · min. income ≈ HK$122,250/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$476,263 · Scale 2, in force from 26 Feb 2026)