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$28,957
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$29,858
−HK$915/mo
Today · 4.125%
HK$30,773
baseline
▲ 0.50% · 4.625%
HK$32,645
+HK$1,872/mo
Deposit HK$6.35M · loan HK$6.35M · min. income ≈ HK$61,546/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$476,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,214
−HK$1,741/mo
▼ 0.25% · 3.875%
HK$33,078
−HK$877/mo
Today · 4.125%
HK$33,955
baseline
▲ 0.50% · 4.625%
HK$35,744
+HK$1,789/mo
Deposit HK$6.35M · loan HK$6.35M · min. income ≈ HK$67,910/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$476,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,748
−HK$2,179/mo
▼ 0.25% · 3.875%
HK$35,829
−HK$1,098/mo
Today · 4.125%
HK$36,927
baseline
▲ 0.50% · 4.625%
HK$39,174
+HK$2,247/mo
Deposit HK$5.08M · loan HK$7.62M · min. income ≈ HK$73,854/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$476,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,657
−HK$2,089/mo
▼ 0.25% · 3.875%
HK$39,694
−HK$1,052/mo
Today · 4.125%
HK$40,746
baseline
▲ 0.50% · 4.625%
HK$42,893
+HK$2,147/mo
Deposit HK$5.08M · loan HK$7.62M · min. income ≈ HK$81,492/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$476,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,540
−HK$2,542/mo
▼ 0.25% · 3.875%
HK$41,801
−HK$1,281/mo
Today · 4.125%
HK$43,082
baseline
▲ 0.50% · 4.625%
HK$45,703
+HK$2,621/mo
Deposit HK$3.81M · loan HK$8.89M · min. income ≈ HK$86,164/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$476,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,100
−HK$2,436/mo
▼ 0.25% · 3.875%
HK$46,309
−HK$1,227/mo
Today · 4.125%
HK$47,536
baseline
▲ 0.50% · 4.625%
HK$50,042
+HK$2,506/mo
Deposit HK$3.81M · loan HK$8.89M · min. income ≈ HK$95,072/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$476,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,122
−HK$3,269/mo
▼ 0.25% · 3.875%
HK$53,744
−HK$1,647/mo
Today · 4.125%
HK$55,391
baseline
▲ 0.50% · 4.625%
HK$58,761
+HK$3,370/mo
Deposit HK$1.27M · loan HK$11.43M · min. income ≈ HK$110,782/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$476,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,986
−HK$3,132/mo
▼ 0.25% · 3.875%
HK$59,541
−HK$1,577/mo
Today · 4.125%
HK$61,118
baseline
▲ 0.50% · 4.625%
HK$64,340
+HK$3,222/mo
Deposit HK$1.27M · loan HK$11.43M · min. income ≈ HK$122,236/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$476,211 · Scale 2, in force from 26 Feb 2026)