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$28,963
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$29,864
−HK$915/mo
Today · 4.125%
HK$30,779
baseline
▲ 0.50% · 4.625%
HK$32,652
+HK$1,873/mo
Deposit HK$6.35M · loan HK$6.35M · min. income ≈ HK$61,558/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$476,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,221
−HK$1,741/mo
▼ 0.25% · 3.875%
HK$33,085
−HK$877/mo
Today · 4.125%
HK$33,962
baseline
▲ 0.50% · 4.625%
HK$35,752
+HK$1,790/mo
Deposit HK$6.35M · loan HK$6.35M · min. income ≈ HK$67,924/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$476,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,755
−HK$2,180/mo
▼ 0.25% · 3.875%
HK$35,836
−HK$1,099/mo
Today · 4.125%
HK$36,935
baseline
▲ 0.50% · 4.625%
HK$39,182
+HK$2,247/mo
Deposit HK$5.08M · loan HK$7.62M · min. income ≈ HK$73,870/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$476,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,665
−HK$2,089/mo
▼ 0.25% · 3.875%
HK$39,702
−HK$1,052/mo
Today · 4.125%
HK$40,754
baseline
▲ 0.50% · 4.625%
HK$42,902
+HK$2,148/mo
Deposit HK$5.08M · loan HK$7.62M · min. income ≈ HK$81,508/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$476,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,548
−HK$2,543/mo
▼ 0.25% · 3.875%
HK$41,809
−HK$1,282/mo
Today · 4.125%
HK$43,091
baseline
▲ 0.50% · 4.625%
HK$45,713
+HK$2,622/mo
Deposit HK$3.81M · loan HK$8.89M · min. income ≈ HK$86,182/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$476,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,109
−HK$2,437/mo
▼ 0.25% · 3.875%
HK$46,319
−HK$1,227/mo
Today · 4.125%
HK$47,546
baseline
▲ 0.50% · 4.625%
HK$50,052
+HK$2,506/mo
Deposit HK$3.81M · loan HK$8.89M · min. income ≈ HK$95,092/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$476,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,133
−HK$3,269/mo
▼ 0.25% · 3.875%
HK$53,755
−HK$1,647/mo
Today · 4.125%
HK$55,402
baseline
▲ 0.50% · 4.625%
HK$58,773
+HK$3,371/mo
Deposit HK$1.27M · loan HK$11.43M · min. income ≈ HK$110,804/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$476,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,997
−HK$3,134/mo
▼ 0.25% · 3.875%
HK$59,553
−HK$1,578/mo
Today · 4.125%
HK$61,131
baseline
▲ 0.50% · 4.625%
HK$64,353
+HK$3,222/mo
Deposit HK$1.27M · loan HK$11.43M · min. income ≈ HK$122,262/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$476,308 · Scale 2, in force from 26 Feb 2026)