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$28,958
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$29,859
−HK$915/mo
Today · 4.125%
HK$30,774
baseline
▲ 0.50% · 4.625%
HK$32,647
+HK$1,873/mo
Deposit HK$6.35M · loan HK$6.35M · min. income ≈ HK$61,548/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$476,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,216
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$33,080
−HK$876/mo
Today · 4.125%
HK$33,956
baseline
▲ 0.50% · 4.625%
HK$35,746
+HK$1,790/mo
Deposit HK$6.35M · loan HK$6.35M · min. income ≈ HK$67,912/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$476,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,750
−HK$2,179/mo
▼ 0.25% · 3.875%
HK$35,831
−HK$1,098/mo
Today · 4.125%
HK$36,929
baseline
▲ 0.50% · 4.625%
HK$39,176
+HK$2,247/mo
Deposit HK$5.08M · loan HK$7.62M · min. income ≈ HK$73,858/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$476,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,659
−HK$2,088/mo
▼ 0.25% · 3.875%
HK$39,696
−HK$1,051/mo
Today · 4.125%
HK$40,747
baseline
▲ 0.50% · 4.625%
HK$42,895
+HK$2,148/mo
Deposit HK$5.08M · loan HK$7.62M · min. income ≈ HK$81,494/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$476,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,541
−HK$2,543/mo
▼ 0.25% · 3.875%
HK$41,803
−HK$1,281/mo
Today · 4.125%
HK$43,084
baseline
▲ 0.50% · 4.625%
HK$45,705
+HK$2,621/mo
Deposit HK$3.81M · loan HK$8.89M · min. income ≈ HK$86,168/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$476,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,102
−HK$2,437/mo
▼ 0.25% · 3.875%
HK$46,312
−HK$1,227/mo
Today · 4.125%
HK$47,539
baseline
▲ 0.50% · 4.625%
HK$50,045
+HK$2,506/mo
Deposit HK$3.81M · loan HK$8.89M · min. income ≈ HK$95,078/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$476,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,125
−HK$3,268/mo
▼ 0.25% · 3.875%
HK$53,746
−HK$1,647/mo
Today · 4.125%
HK$55,393
baseline
▲ 0.50% · 4.625%
HK$58,764
+HK$3,371/mo
Deposit HK$1.27M · loan HK$11.43M · min. income ≈ HK$110,786/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$476,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,988
−HK$3,133/mo
▼ 0.25% · 3.875%
HK$59,543
−HK$1,578/mo
Today · 4.125%
HK$61,121
baseline
▲ 0.50% · 4.625%
HK$64,343
+HK$3,222/mo
Deposit HK$1.27M · loan HK$11.43M · min. income ≈ HK$122,242/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$476,233 · Scale 2, in force from 26 Feb 2026)