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$28,937
−HK$1,815/mo
▼ 0.25% · 3.875%
HK$29,837
−HK$915/mo
Today · 4.125%
HK$30,752
baseline
▲ 0.50% · 4.625%
HK$32,623
+HK$1,871/mo
Deposit HK$6.35M · loan HK$6.35M · min. income ≈ HK$61,504/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$475,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,192
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$33,056
−HK$876/mo
Today · 4.125%
HK$33,932
baseline
▲ 0.50% · 4.625%
HK$35,720
+HK$1,788/mo
Deposit HK$6.35M · loan HK$6.35M · min. income ≈ HK$67,864/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$475,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,725
−HK$2,177/mo
▼ 0.25% · 3.875%
HK$35,805
−HK$1,097/mo
Today · 4.125%
HK$36,902
baseline
▲ 0.50% · 4.625%
HK$39,148
+HK$2,246/mo
Deposit HK$5.08M · loan HK$7.61M · min. income ≈ HK$73,804/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$475,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,631
−HK$2,087/mo
▼ 0.25% · 3.875%
HK$39,667
−HK$1,051/mo
Today · 4.125%
HK$40,718
baseline
▲ 0.50% · 4.625%
HK$42,864
+HK$2,146/mo
Deposit HK$5.08M · loan HK$7.61M · min. income ≈ HK$81,436/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$475,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,512
−HK$2,541/mo
▼ 0.25% · 3.875%
HK$41,772
−HK$1,281/mo
Today · 4.125%
HK$43,053
baseline
▲ 0.50% · 4.625%
HK$45,672
+HK$2,619/mo
Deposit HK$3.81M · loan HK$8.88M · min. income ≈ HK$86,106/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,069
−HK$2,435/mo
▼ 0.25% · 3.875%
HK$46,278
−HK$1,226/mo
Today · 4.125%
HK$47,504
baseline
▲ 0.50% · 4.625%
HK$50,008
+HK$2,504/mo
Deposit HK$3.81M · loan HK$8.88M · min. income ≈ HK$95,008/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,087
−HK$3,266/mo
▼ 0.25% · 3.875%
HK$53,707
−HK$1,646/mo
Today · 4.125%
HK$55,353
baseline
▲ 0.50% · 4.625%
HK$58,721
+HK$3,368/mo
Deposit HK$1.27M · loan HK$11.42M · min. income ≈ HK$110,706/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$475,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,946
−HK$3,131/mo
▼ 0.25% · 3.875%
HK$59,500
−HK$1,577/mo
Today · 4.125%
HK$61,077
baseline
▲ 0.50% · 4.625%
HK$64,296
+HK$3,219/mo
Deposit HK$1.27M · loan HK$11.42M · min. income ≈ HK$122,154/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$475,889 · Scale 2, in force from 26 Feb 2026)