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$28,990
−HK$1,818/mo
▼ 0.25% · 3.875%
HK$29,892
−HK$916/mo
Today · 4.125%
HK$30,808
baseline
▲ 0.50% · 4.625%
HK$32,683
+HK$1,875/mo
Deposit HK$6.36M · loan HK$6.36M · min. income ≈ HK$61,616/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$476,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,251
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$33,116
−HK$878/mo
Today · 4.125%
HK$33,994
baseline
▲ 0.50% · 4.625%
HK$35,785
+HK$1,791/mo
Deposit HK$6.36M · loan HK$6.36M · min. income ≈ HK$67,988/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$476,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,788
−HK$2,182/mo
▼ 0.25% · 3.875%
HK$35,870
−HK$1,100/mo
Today · 4.125%
HK$36,970
baseline
▲ 0.50% · 4.625%
HK$39,219
+HK$2,249/mo
Deposit HK$5.09M · loan HK$7.63M · min. income ≈ HK$73,940/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$476,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,701
−HK$2,091/mo
▼ 0.25% · 3.875%
HK$39,739
−HK$1,053/mo
Today · 4.125%
HK$40,792
baseline
▲ 0.50% · 4.625%
HK$42,943
+HK$2,151/mo
Deposit HK$5.09M · loan HK$7.63M · min. income ≈ HK$81,584/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$476,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,586
−HK$2,545/mo
▼ 0.25% · 3.875%
HK$41,849
−HK$1,282/mo
Today · 4.125%
HK$43,131
baseline
▲ 0.50% · 4.625%
HK$45,756
+HK$2,625/mo
Deposit HK$3.81M · loan HK$8.90M · min. income ≈ HK$86,262/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$476,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,152
−HK$2,439/mo
▼ 0.25% · 3.875%
HK$46,363
−HK$1,228/mo
Today · 4.125%
HK$47,591
baseline
▲ 0.50% · 4.625%
HK$50,100
+HK$2,509/mo
Deposit HK$3.81M · loan HK$8.90M · min. income ≈ HK$95,182/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$476,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,182
−HK$3,272/mo
▼ 0.25% · 3.875%
HK$53,805
−HK$1,649/mo
Today · 4.125%
HK$55,454
baseline
▲ 0.50% · 4.625%
HK$58,829
+HK$3,375/mo
Deposit HK$1.27M · loan HK$11.44M · min. income ≈ HK$110,908/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$476,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,052
−HK$3,137/mo
▼ 0.25% · 3.875%
HK$59,609
−HK$1,580/mo
Today · 4.125%
HK$61,189
baseline
▲ 0.50% · 4.625%
HK$64,414
+HK$3,225/mo
Deposit HK$1.27M · loan HK$11.44M · min. income ≈ HK$122,378/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$476,758 · Scale 2, in force from 26 Feb 2026)