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$28,976
−HK$1,817/mo
▼ 0.25% · 3.875%
HK$29,878
−HK$915/mo
Today · 4.125%
HK$30,793
baseline
▲ 0.50% · 4.625%
HK$32,667
+HK$1,874/mo
Deposit HK$6.35M · loan HK$6.35M · min. income ≈ HK$61,586/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$476,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,236
−HK$1,741/mo
▼ 0.25% · 3.875%
HK$33,100
−HK$877/mo
Today · 4.125%
HK$33,977
baseline
▲ 0.50% · 4.625%
HK$35,768
+HK$1,791/mo
Deposit HK$6.35M · loan HK$6.35M · min. income ≈ HK$67,954/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$476,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,771
−HK$2,181/mo
▼ 0.25% · 3.875%
HK$35,853
−HK$1,099/mo
Today · 4.125%
HK$36,952
baseline
▲ 0.50% · 4.625%
HK$39,200
+HK$2,248/mo
Deposit HK$5.08M · loan HK$7.62M · min. income ≈ HK$73,904/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$476,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,683
−HK$2,090/mo
▼ 0.25% · 3.875%
HK$39,720
−HK$1,053/mo
Today · 4.125%
HK$40,773
baseline
▲ 0.50% · 4.625%
HK$42,922
+HK$2,149/mo
Deposit HK$5.08M · loan HK$7.62M · min. income ≈ HK$81,546/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$476,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,567
−HK$2,544/mo
▼ 0.25% · 3.875%
HK$41,829
−HK$1,282/mo
Today · 4.125%
HK$43,111
baseline
▲ 0.50% · 4.625%
HK$45,734
+HK$2,623/mo
Deposit HK$3.81M · loan HK$8.90M · min. income ≈ HK$86,222/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$476,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,130
−HK$2,438/mo
▼ 0.25% · 3.875%
HK$46,340
−HK$1,228/mo
Today · 4.125%
HK$47,568
baseline
▲ 0.50% · 4.625%
HK$50,076
+HK$2,508/mo
Deposit HK$3.81M · loan HK$8.90M · min. income ≈ HK$95,136/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$476,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,157
−HK$3,271/mo
▼ 0.25% · 3.875%
HK$53,780
−HK$1,648/mo
Today · 4.125%
HK$55,428
baseline
▲ 0.50% · 4.625%
HK$58,801
+HK$3,373/mo
Deposit HK$1.27M · loan HK$11.44M · min. income ≈ HK$110,856/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$476,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,024
−HK$3,135/mo
▼ 0.25% · 3.875%
HK$59,581
−HK$1,578/mo
Today · 4.125%
HK$61,159
baseline
▲ 0.50% · 4.625%
HK$64,383
+HK$3,224/mo
Deposit HK$1.27M · loan HK$11.44M · min. income ≈ HK$122,318/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$476,529 · Scale 2, in force from 26 Feb 2026)