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$28,969
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$29,870
−HK$915/mo
Today · 4.125%
HK$30,785
baseline
▲ 0.50% · 4.625%
HK$32,659
+HK$1,874/mo
Deposit HK$6.35M · loan HK$6.35M · min. income ≈ HK$61,570/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$476,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,228
−HK$1,741/mo
▼ 0.25% · 3.875%
HK$33,092
−HK$877/mo
Today · 4.125%
HK$33,969
baseline
▲ 0.50% · 4.625%
HK$35,759
+HK$1,790/mo
Deposit HK$6.35M · loan HK$6.35M · min. income ≈ HK$67,938/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$476,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,763
−HK$2,180/mo
▼ 0.25% · 3.875%
HK$35,844
−HK$1,099/mo
Today · 4.125%
HK$36,943
baseline
▲ 0.50% · 4.625%
HK$39,190
+HK$2,247/mo
Deposit HK$5.08M · loan HK$7.62M · min. income ≈ HK$73,886/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$476,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,673
−HK$2,089/mo
▼ 0.25% · 3.875%
HK$39,710
−HK$1,052/mo
Today · 4.125%
HK$40,762
baseline
▲ 0.50% · 4.625%
HK$42,911
+HK$2,149/mo
Deposit HK$5.08M · loan HK$7.62M · min. income ≈ HK$81,524/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$476,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,556
−HK$2,544/mo
▼ 0.25% · 3.875%
HK$41,818
−HK$1,282/mo
Today · 4.125%
HK$43,100
baseline
▲ 0.50% · 4.625%
HK$45,722
+HK$2,622/mo
Deposit HK$3.81M · loan HK$8.89M · min. income ≈ HK$86,200/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$476,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,119
−HK$2,437/mo
▼ 0.25% · 3.875%
HK$46,329
−HK$1,227/mo
Today · 4.125%
HK$47,556
baseline
▲ 0.50% · 4.625%
HK$50,063
+HK$2,507/mo
Deposit HK$3.81M · loan HK$8.89M · min. income ≈ HK$95,112/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$476,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,144
−HK$3,270/mo
▼ 0.25% · 3.875%
HK$53,766
−HK$1,648/mo
Today · 4.125%
HK$55,414
baseline
▲ 0.50% · 4.625%
HK$58,786
+HK$3,372/mo
Deposit HK$1.27M · loan HK$11.43M · min. income ≈ HK$110,828/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$476,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,010
−HK$3,134/mo
▼ 0.25% · 3.875%
HK$59,565
−HK$1,579/mo
Today · 4.125%
HK$61,144
baseline
▲ 0.50% · 4.625%
HK$64,367
+HK$3,223/mo
Deposit HK$1.27M · loan HK$11.43M · min. income ≈ HK$122,288/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$476,408 · Scale 2, in force from 26 Feb 2026)