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$28,944
−HK$1,815/mo
▼ 0.25% · 3.875%
HK$29,844
−HK$915/mo
Today · 4.125%
HK$30,759
baseline
▲ 0.50% · 4.625%
HK$32,631
+HK$1,872/mo
Deposit HK$6.35M · loan HK$6.35M · min. income ≈ HK$61,518/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$476,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,200
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$33,064
−HK$876/mo
Today · 4.125%
HK$33,940
baseline
▲ 0.50% · 4.625%
HK$35,729
+HK$1,789/mo
Deposit HK$6.35M · loan HK$6.35M · min. income ≈ HK$67,880/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$476,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,733
−HK$2,178/mo
▼ 0.25% · 3.875%
HK$35,813
−HK$1,098/mo
Today · 4.125%
HK$36,911
baseline
▲ 0.50% · 4.625%
HK$39,157
+HK$2,246/mo
Deposit HK$5.08M · loan HK$7.62M · min. income ≈ HK$73,822/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$476,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,640
−HK$2,088/mo
▼ 0.25% · 3.875%
HK$39,676
−HK$1,052/mo
Today · 4.125%
HK$40,728
baseline
▲ 0.50% · 4.625%
HK$42,874
+HK$2,146/mo
Deposit HK$5.08M · loan HK$7.62M · min. income ≈ HK$81,456/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$476,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,522
−HK$2,541/mo
▼ 0.25% · 3.875%
HK$41,782
−HK$1,281/mo
Today · 4.125%
HK$43,063
baseline
▲ 0.50% · 4.625%
HK$45,683
+HK$2,620/mo
Deposit HK$3.81M · loan HK$8.89M · min. income ≈ HK$86,126/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$476,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,080
−HK$2,436/mo
▼ 0.25% · 3.875%
HK$46,289
−HK$1,227/mo
Today · 4.125%
HK$47,516
baseline
▲ 0.50% · 4.625%
HK$50,020
+HK$2,504/mo
Deposit HK$3.81M · loan HK$8.89M · min. income ≈ HK$95,032/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$476,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,099
−HK$3,267/mo
▼ 0.25% · 3.875%
HK$53,720
−HK$1,646/mo
Today · 4.125%
HK$55,366
baseline
▲ 0.50% · 4.625%
HK$58,735
+HK$3,369/mo
Deposit HK$1.27M · loan HK$11.42M · min. income ≈ HK$110,732/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$476,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,960
−HK$3,131/mo
▼ 0.25% · 3.875%
HK$59,514
−HK$1,577/mo
Today · 4.125%
HK$61,091
baseline
▲ 0.50% · 4.625%
HK$64,312
+HK$3,221/mo
Deposit HK$1.27M · loan HK$11.42M · min. income ≈ HK$122,182/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$476,001 · Scale 2, in force from 26 Feb 2026)