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$28,964
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$29,865
−HK$915/mo
Today · 4.125%
HK$30,780
baseline
▲ 0.50% · 4.625%
HK$32,653
+HK$1,873/mo
Deposit HK$6.35M · loan HK$6.35M · min. income ≈ HK$61,560/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$476,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,222
−HK$1,741/mo
▼ 0.25% · 3.875%
HK$33,086
−HK$877/mo
Today · 4.125%
HK$33,963
baseline
▲ 0.50% · 4.625%
HK$35,753
+HK$1,790/mo
Deposit HK$6.35M · loan HK$6.35M · min. income ≈ HK$67,926/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$476,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,757
−HK$2,179/mo
▼ 0.25% · 3.875%
HK$35,838
−HK$1,098/mo
Today · 4.125%
HK$36,936
baseline
▲ 0.50% · 4.625%
HK$39,184
+HK$2,248/mo
Deposit HK$5.08M · loan HK$7.62M · min. income ≈ HK$73,872/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$476,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,666
−HK$2,090/mo
▼ 0.25% · 3.875%
HK$39,703
−HK$1,053/mo
Today · 4.125%
HK$40,756
baseline
▲ 0.50% · 4.625%
HK$42,904
+HK$2,148/mo
Deposit HK$5.08M · loan HK$7.62M · min. income ≈ HK$81,512/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$476,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,549
−HK$2,543/mo
▼ 0.25% · 3.875%
HK$41,811
−HK$1,281/mo
Today · 4.125%
HK$43,092
baseline
▲ 0.50% · 4.625%
HK$45,714
+HK$2,622/mo
Deposit HK$3.81M · loan HK$8.89M · min. income ≈ HK$86,184/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$476,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,111
−HK$2,437/mo
▼ 0.25% · 3.875%
HK$46,321
−HK$1,227/mo
Today · 4.125%
HK$47,548
baseline
▲ 0.50% · 4.625%
HK$50,054
+HK$2,506/mo
Deposit HK$3.81M · loan HK$8.89M · min. income ≈ HK$95,096/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$476,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,135
−HK$3,269/mo
▼ 0.25% · 3.875%
HK$53,757
−HK$1,647/mo
Today · 4.125%
HK$55,404
baseline
▲ 0.50% · 4.625%
HK$58,776
+HK$3,372/mo
Deposit HK$1.27M · loan HK$11.43M · min. income ≈ HK$110,808/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$476,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,000
−HK$3,133/mo
▼ 0.25% · 3.875%
HK$59,555
−HK$1,578/mo
Today · 4.125%
HK$61,133
baseline
▲ 0.50% · 4.625%
HK$64,356
+HK$3,223/mo
Deposit HK$1.27M · loan HK$11.43M · min. income ≈ HK$122,266/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$476,327 · Scale 2, in force from 26 Feb 2026)