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$28,962
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$29,863
−HK$915/mo
Today · 4.125%
HK$30,778
baseline
▲ 0.50% · 4.625%
HK$32,651
+HK$1,873/mo
Deposit HK$6.35M · loan HK$6.35M · min. income ≈ HK$61,556/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$476,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,220
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$33,084
−HK$876/mo
Today · 4.125%
HK$33,960
baseline
▲ 0.50% · 4.625%
HK$35,750
+HK$1,790/mo
Deposit HK$6.35M · loan HK$6.35M · min. income ≈ HK$67,920/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$476,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,754
−HK$2,179/mo
▼ 0.25% · 3.875%
HK$35,835
−HK$1,098/mo
Today · 4.125%
HK$36,933
baseline
▲ 0.50% · 4.625%
HK$39,181
+HK$2,248/mo
Deposit HK$5.08M · loan HK$7.62M · min. income ≈ HK$73,866/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$476,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,664
−HK$2,088/mo
▼ 0.25% · 3.875%
HK$39,700
−HK$1,052/mo
Today · 4.125%
HK$40,752
baseline
▲ 0.50% · 4.625%
HK$42,900
+HK$2,148/mo
Deposit HK$5.08M · loan HK$7.62M · min. income ≈ HK$81,504/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$476,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,546
−HK$2,543/mo
▼ 0.25% · 3.875%
HK$41,808
−HK$1,281/mo
Today · 4.125%
HK$43,089
baseline
▲ 0.50% · 4.625%
HK$45,711
+HK$2,622/mo
Deposit HK$3.81M · loan HK$8.89M · min. income ≈ HK$86,178/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$476,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,107
−HK$2,437/mo
▼ 0.25% · 3.875%
HK$46,317
−HK$1,227/mo
Today · 4.125%
HK$47,544
baseline
▲ 0.50% · 4.625%
HK$50,051
+HK$2,507/mo
Deposit HK$3.81M · loan HK$8.89M · min. income ≈ HK$95,088/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$476,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,131
−HK$3,269/mo
▼ 0.25% · 3.875%
HK$53,753
−HK$1,647/mo
Today · 4.125%
HK$55,400
baseline
▲ 0.50% · 4.625%
HK$58,771
+HK$3,371/mo
Deposit HK$1.27M · loan HK$11.43M · min. income ≈ HK$110,800/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$476,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,995
−HK$3,134/mo
▼ 0.25% · 3.875%
HK$59,551
−HK$1,578/mo
Today · 4.125%
HK$61,129
baseline
▲ 0.50% · 4.625%
HK$64,351
+HK$3,222/mo
Deposit HK$1.27M · loan HK$11.43M · min. income ≈ HK$122,258/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$476,291 · Scale 2, in force from 26 Feb 2026)