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$28,980
−HK$1,818/mo
▼ 0.25% · 3.875%
HK$29,882
−HK$916/mo
Today · 4.125%
HK$30,798
baseline
▲ 0.50% · 4.625%
HK$32,671
+HK$1,873/mo
Deposit HK$6.35M · loan HK$6.35M · min. income ≈ HK$61,596/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$476,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,240
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$33,105
−HK$877/mo
Today · 4.125%
HK$33,982
baseline
▲ 0.50% · 4.625%
HK$35,773
+HK$1,791/mo
Deposit HK$6.35M · loan HK$6.35M · min. income ≈ HK$67,964/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$476,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,776
−HK$2,181/mo
▼ 0.25% · 3.875%
HK$35,858
−HK$1,099/mo
Today · 4.125%
HK$36,957
baseline
▲ 0.50% · 4.625%
HK$39,206
+HK$2,249/mo
Deposit HK$5.08M · loan HK$7.63M · min. income ≈ HK$73,914/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$476,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,688
−HK$2,090/mo
▼ 0.25% · 3.875%
HK$39,726
−HK$1,052/mo
Today · 4.125%
HK$40,778
baseline
▲ 0.50% · 4.625%
HK$42,928
+HK$2,150/mo
Deposit HK$5.08M · loan HK$7.63M · min. income ≈ HK$81,556/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$476,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,572
−HK$2,545/mo
▼ 0.25% · 3.875%
HK$41,834
−HK$1,283/mo
Today · 4.125%
HK$43,117
baseline
▲ 0.50% · 4.625%
HK$45,740
+HK$2,623/mo
Deposit HK$3.81M · loan HK$8.90M · min. income ≈ HK$86,234/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$476,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,136
−HK$2,439/mo
▼ 0.25% · 3.875%
HK$46,347
−HK$1,228/mo
Today · 4.125%
HK$47,575
baseline
▲ 0.50% · 4.625%
HK$50,083
+HK$2,508/mo
Deposit HK$3.81M · loan HK$8.90M · min. income ≈ HK$95,150/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$476,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,164
−HK$3,272/mo
▼ 0.25% · 3.875%
HK$53,787
−HK$1,649/mo
Today · 4.125%
HK$55,436
baseline
▲ 0.50% · 4.625%
HK$58,809
+HK$3,373/mo
Deposit HK$1.27M · loan HK$11.44M · min. income ≈ HK$110,872/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$476,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,032
−HK$3,136/mo
▼ 0.25% · 3.875%
HK$59,589
−HK$1,579/mo
Today · 4.125%
HK$61,168
baseline
▲ 0.50% · 4.625%
HK$64,392
+HK$3,224/mo
Deposit HK$1.27M · loan HK$11.44M · min. income ≈ HK$122,336/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$476,595 · Scale 2, in force from 26 Feb 2026)