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$28,974
−HK$1,817/mo
▼ 0.25% · 3.875%
HK$29,876
−HK$915/mo
Today · 4.125%
HK$30,791
baseline
▲ 0.50% · 4.625%
HK$32,665
+HK$1,874/mo
Deposit HK$6.35M · loan HK$6.35M · min. income ≈ HK$61,582/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$476,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,234
−HK$1,741/mo
▼ 0.25% · 3.875%
HK$33,098
−HK$877/mo
Today · 4.125%
HK$33,975
baseline
▲ 0.50% · 4.625%
HK$35,766
+HK$1,791/mo
Deposit HK$6.35M · loan HK$6.35M · min. income ≈ HK$67,950/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$476,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,769
−HK$2,181/mo
▼ 0.25% · 3.875%
HK$35,851
−HK$1,099/mo
Today · 4.125%
HK$36,950
baseline
▲ 0.50% · 4.625%
HK$39,198
+HK$2,248/mo
Deposit HK$5.08M · loan HK$7.62M · min. income ≈ HK$73,900/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$476,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,680
−HK$2,090/mo
▼ 0.25% · 3.875%
HK$39,718
−HK$1,052/mo
Today · 4.125%
HK$40,770
baseline
▲ 0.50% · 4.625%
HK$42,919
+HK$2,149/mo
Deposit HK$5.08M · loan HK$7.62M · min. income ≈ HK$81,540/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$476,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,564
−HK$2,544/mo
▼ 0.25% · 3.875%
HK$41,826
−HK$1,282/mo
Today · 4.125%
HK$43,108
baseline
▲ 0.50% · 4.625%
HK$45,731
+HK$2,623/mo
Deposit HK$3.81M · loan HK$8.89M · min. income ≈ HK$86,216/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$476,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,127
−HK$2,438/mo
▼ 0.25% · 3.875%
HK$46,337
−HK$1,228/mo
Today · 4.125%
HK$47,565
baseline
▲ 0.50% · 4.625%
HK$50,072
+HK$2,507/mo
Deposit HK$3.81M · loan HK$8.89M · min. income ≈ HK$95,130/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$476,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,154
−HK$3,270/mo
▼ 0.25% · 3.875%
HK$53,776
−HK$1,648/mo
Today · 4.125%
HK$55,424
baseline
▲ 0.50% · 4.625%
HK$58,797
+HK$3,373/mo
Deposit HK$1.27M · loan HK$11.44M · min. income ≈ HK$110,848/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$476,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,021
−HK$3,134/mo
▼ 0.25% · 3.875%
HK$59,577
−HK$1,578/mo
Today · 4.125%
HK$61,155
baseline
▲ 0.50% · 4.625%
HK$64,379
+HK$3,224/mo
Deposit HK$1.27M · loan HK$11.44M · min. income ≈ HK$122,310/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$476,499 · Scale 2, in force from 26 Feb 2026)