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$28,971
−HK$1,817/mo
▼ 0.25% · 3.875%
HK$29,872
−HK$916/mo
Today · 4.125%
HK$30,788
baseline
▲ 0.50% · 4.625%
HK$32,661
+HK$1,873/mo
Deposit HK$6.35M · loan HK$6.35M · min. income ≈ HK$61,576/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$476,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,230
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$33,095
−HK$877/mo
Today · 4.125%
HK$33,972
baseline
▲ 0.50% · 4.625%
HK$35,762
+HK$1,790/mo
Deposit HK$6.35M · loan HK$6.35M · min. income ≈ HK$67,944/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$476,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,766
−HK$2,180/mo
▼ 0.25% · 3.875%
HK$35,847
−HK$1,099/mo
Today · 4.125%
HK$36,946
baseline
▲ 0.50% · 4.625%
HK$39,194
+HK$2,248/mo
Deposit HK$5.08M · loan HK$7.62M · min. income ≈ HK$73,892/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$476,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,676
−HK$2,090/mo
▼ 0.25% · 3.875%
HK$39,714
−HK$1,052/mo
Today · 4.125%
HK$40,766
baseline
▲ 0.50% · 4.625%
HK$42,915
+HK$2,149/mo
Deposit HK$5.08M · loan HK$7.62M · min. income ≈ HK$81,532/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$476,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,560
−HK$2,543/mo
▼ 0.25% · 3.875%
HK$41,821
−HK$1,282/mo
Today · 4.125%
HK$43,103
baseline
▲ 0.50% · 4.625%
HK$45,726
+HK$2,623/mo
Deposit HK$3.81M · loan HK$8.89M · min. income ≈ HK$86,206/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$476,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,122
−HK$2,438/mo
▼ 0.25% · 3.875%
HK$46,333
−HK$1,227/mo
Today · 4.125%
HK$47,560
baseline
▲ 0.50% · 4.625%
HK$50,067
+HK$2,507/mo
Deposit HK$3.81M · loan HK$8.89M · min. income ≈ HK$95,120/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$476,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,148
−HK$3,271/mo
▼ 0.25% · 3.875%
HK$53,770
−HK$1,649/mo
Today · 4.125%
HK$55,419
baseline
▲ 0.50% · 4.625%
HK$58,791
+HK$3,372/mo
Deposit HK$1.27M · loan HK$11.43M · min. income ≈ HK$110,838/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$476,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,015
−HK$3,134/mo
▼ 0.25% · 3.875%
HK$59,570
−HK$1,579/mo
Today · 4.125%
HK$61,149
baseline
▲ 0.50% · 4.625%
HK$64,372
+HK$3,223/mo
Deposit HK$1.27M · loan HK$11.43M · min. income ≈ HK$122,298/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$476,449 · Scale 2, in force from 26 Feb 2026)