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$28,939
−HK$1,815/mo
▼ 0.25% · 3.875%
HK$29,839
−HK$915/mo
Today · 4.125%
HK$30,754
baseline
▲ 0.50% · 4.625%
HK$32,625
+HK$1,871/mo
Deposit HK$6.35M · loan HK$6.35M · min. income ≈ HK$61,508/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$475,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,194
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$33,058
−HK$876/mo
Today · 4.125%
HK$33,934
baseline
▲ 0.50% · 4.625%
HK$35,723
+HK$1,789/mo
Deposit HK$6.35M · loan HK$6.35M · min. income ≈ HK$67,868/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$475,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,727
−HK$2,178/mo
▼ 0.25% · 3.875%
HK$35,807
−HK$1,098/mo
Today · 4.125%
HK$36,905
baseline
▲ 0.50% · 4.625%
HK$39,150
+HK$2,245/mo
Deposit HK$5.08M · loan HK$7.61M · min. income ≈ HK$73,810/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$475,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,633
−HK$2,088/mo
▼ 0.25% · 3.875%
HK$39,669
−HK$1,052/mo
Today · 4.125%
HK$40,721
baseline
▲ 0.50% · 4.625%
HK$42,867
+HK$2,146/mo
Deposit HK$5.08M · loan HK$7.61M · min. income ≈ HK$81,442/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$475,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,515
−HK$2,540/mo
▼ 0.25% · 3.875%
HK$41,775
−HK$1,280/mo
Today · 4.125%
HK$43,055
baseline
▲ 0.50% · 4.625%
HK$45,675
+HK$2,620/mo
Deposit HK$3.81M · loan HK$8.88M · min. income ≈ HK$86,110/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,072
−HK$2,435/mo
▼ 0.25% · 3.875%
HK$46,281
−HK$1,226/mo
Today · 4.125%
HK$47,507
baseline
▲ 0.50% · 4.625%
HK$50,012
+HK$2,505/mo
Deposit HK$3.81M · loan HK$8.88M · min. income ≈ HK$95,014/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,090
−HK$3,267/mo
▼ 0.25% · 3.875%
HK$53,711
−HK$1,646/mo
Today · 4.125%
HK$55,357
baseline
▲ 0.50% · 4.625%
HK$58,725
+HK$3,368/mo
Deposit HK$1.27M · loan HK$11.42M · min. income ≈ HK$110,714/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$475,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,950
−HK$3,131/mo
▼ 0.25% · 3.875%
HK$59,504
−HK$1,577/mo
Today · 4.125%
HK$61,081
baseline
▲ 0.50% · 4.625%
HK$64,301
+HK$3,220/mo
Deposit HK$1.27M · loan HK$11.42M · min. income ≈ HK$122,162/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$475,919 · Scale 2, in force from 26 Feb 2026)