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$28,989
−HK$1,818/mo
▼ 0.25% · 3.875%
HK$29,891
−HK$916/mo
Today · 4.125%
HK$30,807
baseline
▲ 0.50% · 4.625%
HK$32,682
+HK$1,875/mo
Deposit HK$6.36M · loan HK$6.36M · min. income ≈ HK$61,614/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$476,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,250
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$33,115
−HK$878/mo
Today · 4.125%
HK$33,993
baseline
▲ 0.50% · 4.625%
HK$35,784
+HK$1,791/mo
Deposit HK$6.36M · loan HK$6.36M · min. income ≈ HK$67,986/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$476,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,787
−HK$2,181/mo
▼ 0.25% · 3.875%
HK$35,869
−HK$1,099/mo
Today · 4.125%
HK$36,968
baseline
▲ 0.50% · 4.625%
HK$39,218
+HK$2,250/mo
Deposit HK$5.09M · loan HK$7.63M · min. income ≈ HK$73,936/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$476,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,700
−HK$2,091/mo
▼ 0.25% · 3.875%
HK$39,738
−HK$1,053/mo
Today · 4.125%
HK$40,791
baseline
▲ 0.50% · 4.625%
HK$42,941
+HK$2,150/mo
Deposit HK$5.09M · loan HK$7.63M · min. income ≈ HK$81,582/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$476,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,585
−HK$2,545/mo
▼ 0.25% · 3.875%
HK$41,847
−HK$1,283/mo
Today · 4.125%
HK$43,130
baseline
▲ 0.50% · 4.625%
HK$45,754
+HK$2,624/mo
Deposit HK$3.81M · loan HK$8.90M · min. income ≈ HK$86,260/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$476,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,150
−HK$2,440/mo
▼ 0.25% · 3.875%
HK$46,361
−HK$1,229/mo
Today · 4.125%
HK$47,590
baseline
▲ 0.50% · 4.625%
HK$50,098
+HK$2,508/mo
Deposit HK$3.81M · loan HK$8.90M · min. income ≈ HK$95,180/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$476,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,181
−HK$3,272/mo
▼ 0.25% · 3.875%
HK$53,804
−HK$1,649/mo
Today · 4.125%
HK$55,453
baseline
▲ 0.50% · 4.625%
HK$58,827
+HK$3,374/mo
Deposit HK$1.27M · loan HK$11.44M · min. income ≈ HK$110,906/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$476,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,050
−HK$3,137/mo
▼ 0.25% · 3.875%
HK$59,607
−HK$1,580/mo
Today · 4.125%
HK$61,187
baseline
▲ 0.50% · 4.625%
HK$64,412
+HK$3,225/mo
Deposit HK$1.27M · loan HK$11.44M · min. income ≈ HK$122,374/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$476,742 · Scale 2, in force from 26 Feb 2026)