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$28,938
−HK$1,815/mo
▼ 0.25% · 3.875%
HK$29,838
−HK$915/mo
Today · 4.125%
HK$30,753
baseline
▲ 0.50% · 4.625%
HK$32,624
+HK$1,871/mo
Deposit HK$6.35M · loan HK$6.35M · min. income ≈ HK$61,506/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$475,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,193
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$33,057
−HK$876/mo
Today · 4.125%
HK$33,933
baseline
▲ 0.50% · 4.625%
HK$35,721
+HK$1,788/mo
Deposit HK$6.35M · loan HK$6.35M · min. income ≈ HK$67,866/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$475,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,726
−HK$2,178/mo
▼ 0.25% · 3.875%
HK$35,806
−HK$1,098/mo
Today · 4.125%
HK$36,904
baseline
▲ 0.50% · 4.625%
HK$39,149
+HK$2,245/mo
Deposit HK$5.08M · loan HK$7.61M · min. income ≈ HK$73,808/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$475,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,632
−HK$2,087/mo
▼ 0.25% · 3.875%
HK$39,668
−HK$1,051/mo
Today · 4.125%
HK$40,719
baseline
▲ 0.50% · 4.625%
HK$42,866
+HK$2,147/mo
Deposit HK$5.08M · loan HK$7.61M · min. income ≈ HK$81,438/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$475,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,514
−HK$2,540/mo
▼ 0.25% · 3.875%
HK$41,774
−HK$1,280/mo
Today · 4.125%
HK$43,054
baseline
▲ 0.50% · 4.625%
HK$45,674
+HK$2,620/mo
Deposit HK$3.81M · loan HK$8.88M · min. income ≈ HK$86,108/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,071
−HK$2,435/mo
▼ 0.25% · 3.875%
HK$46,280
−HK$1,226/mo
Today · 4.125%
HK$47,506
baseline
▲ 0.50% · 4.625%
HK$50,010
+HK$2,504/mo
Deposit HK$3.81M · loan HK$8.88M · min. income ≈ HK$95,012/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,089
−HK$3,266/mo
▼ 0.25% · 3.875%
HK$53,709
−HK$1,646/mo
Today · 4.125%
HK$55,355
baseline
▲ 0.50% · 4.625%
HK$58,723
+HK$3,368/mo
Deposit HK$1.27M · loan HK$11.42M · min. income ≈ HK$110,710/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$475,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,948
−HK$3,131/mo
▼ 0.25% · 3.875%
HK$59,502
−HK$1,577/mo
Today · 4.125%
HK$61,079
baseline
▲ 0.50% · 4.625%
HK$64,299
+HK$3,220/mo
Deposit HK$1.27M · loan HK$11.42M · min. income ≈ HK$122,158/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$475,905 · Scale 2, in force from 26 Feb 2026)