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$28,994
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$29,896
−HK$917/mo
Today · 4.125%
HK$30,813
baseline
▲ 0.50% · 4.625%
HK$32,687
+HK$1,874/mo
Deposit HK$6.36M · loan HK$6.36M · min. income ≈ HK$61,626/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$476,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,256
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$33,121
−HK$878/mo
Today · 4.125%
HK$33,999
baseline
▲ 0.50% · 4.625%
HK$35,791
+HK$1,792/mo
Deposit HK$6.36M · loan HK$6.36M · min. income ≈ HK$67,998/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$476,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,793
−HK$2,182/mo
▼ 0.25% · 3.875%
HK$35,876
−HK$1,099/mo
Today · 4.125%
HK$36,975
baseline
▲ 0.50% · 4.625%
HK$39,225
+HK$2,250/mo
Deposit HK$5.09M · loan HK$7.63M · min. income ≈ HK$73,950/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$476,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,707
−HK$2,091/mo
▼ 0.25% · 3.875%
HK$39,745
−HK$1,053/mo
Today · 4.125%
HK$40,798
baseline
▲ 0.50% · 4.625%
HK$42,949
+HK$2,151/mo
Deposit HK$5.09M · loan HK$7.63M · min. income ≈ HK$81,596/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$476,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,592
−HK$2,546/mo
▼ 0.25% · 3.875%
HK$41,855
−HK$1,283/mo
Today · 4.125%
HK$43,138
baseline
▲ 0.50% · 4.625%
HK$45,762
+HK$2,624/mo
Deposit HK$3.81M · loan HK$8.90M · min. income ≈ HK$86,276/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$476,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,158
−HK$2,440/mo
▼ 0.25% · 3.875%
HK$46,370
−HK$1,228/mo
Today · 4.125%
HK$47,598
baseline
▲ 0.50% · 4.625%
HK$50,107
+HK$2,509/mo
Deposit HK$3.81M · loan HK$8.90M · min. income ≈ HK$95,196/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$476,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,190
−HK$3,273/mo
▼ 0.25% · 3.875%
HK$53,813
−HK$1,650/mo
Today · 4.125%
HK$55,463
baseline
▲ 0.50% · 4.625%
HK$58,837
+HK$3,374/mo
Deposit HK$1.27M · loan HK$11.44M · min. income ≈ HK$110,926/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$476,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,061
−HK$3,137/mo
▼ 0.25% · 3.875%
HK$59,618
−HK$1,580/mo
Today · 4.125%
HK$61,198
baseline
▲ 0.50% · 4.625%
HK$64,423
+HK$3,225/mo
Deposit HK$1.27M · loan HK$11.44M · min. income ≈ HK$122,396/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$476,829 · Scale 2, in force from 26 Feb 2026)