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$28,998
−HK$1,818/mo
▼ 0.25% · 3.875%
HK$29,900
−HK$916/mo
Today · 4.125%
HK$30,816
baseline
▲ 0.50% · 4.625%
HK$32,692
+HK$1,876/mo
Deposit HK$6.36M · loan HK$6.36M · min. income ≈ HK$61,632/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$476,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,260
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$33,125
−HK$878/mo
Today · 4.125%
HK$34,003
baseline
▲ 0.50% · 4.625%
HK$35,795
+HK$1,792/mo
Deposit HK$6.36M · loan HK$6.36M · min. income ≈ HK$68,006/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$476,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,798
−HK$2,182/mo
▼ 0.25% · 3.875%
HK$35,880
−HK$1,100/mo
Today · 4.125%
HK$36,980
baseline
▲ 0.50% · 4.625%
HK$39,230
+HK$2,250/mo
Deposit HK$5.09M · loan HK$7.63M · min. income ≈ HK$73,960/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$476,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,712
−HK$2,091/mo
▼ 0.25% · 3.875%
HK$39,750
−HK$1,053/mo
Today · 4.125%
HK$40,803
baseline
▲ 0.50% · 4.625%
HK$42,954
+HK$2,151/mo
Deposit HK$5.09M · loan HK$7.63M · min. income ≈ HK$81,606/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$476,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,597
−HK$2,546/mo
▼ 0.25% · 3.875%
HK$41,860
−HK$1,283/mo
Today · 4.125%
HK$43,143
baseline
▲ 0.50% · 4.625%
HK$45,768
+HK$2,625/mo
Deposit HK$3.82M · loan HK$8.90M · min. income ≈ HK$86,286/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$476,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,164
−HK$2,440/mo
▼ 0.25% · 3.875%
HK$46,375
−HK$1,229/mo
Today · 4.125%
HK$47,604
baseline
▲ 0.50% · 4.625%
HK$50,113
+HK$2,509/mo
Deposit HK$3.82M · loan HK$8.90M · min. income ≈ HK$95,208/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$476,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,196
−HK$3,274/mo
▼ 0.25% · 3.875%
HK$53,820
−HK$1,650/mo
Today · 4.125%
HK$55,470
baseline
▲ 0.50% · 4.625%
HK$58,845
+HK$3,375/mo
Deposit HK$1.27M · loan HK$11.45M · min. income ≈ HK$110,940/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$476,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,068
−HK$3,137/mo
▼ 0.25% · 3.875%
HK$59,625
−HK$1,580/mo
Today · 4.125%
HK$61,205
baseline
▲ 0.50% · 4.625%
HK$64,431
+HK$3,226/mo
Deposit HK$1.27M · loan HK$11.45M · min. income ≈ HK$122,410/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$476,888 · Scale 2, in force from 26 Feb 2026)