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$28,983
−HK$1,817/mo
▼ 0.25% · 3.875%
HK$29,884
−HK$916/mo
Today · 4.125%
HK$30,800
baseline
▲ 0.50% · 4.625%
HK$32,674
+HK$1,874/mo
Deposit HK$6.36M · loan HK$6.36M · min. income ≈ HK$61,600/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$476,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,243
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$33,108
−HK$877/mo
Today · 4.125%
HK$33,985
baseline
▲ 0.50% · 4.625%
HK$35,776
+HK$1,791/mo
Deposit HK$6.36M · loan HK$6.36M · min. income ≈ HK$67,970/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$476,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,779
−HK$2,181/mo
▼ 0.25% · 3.875%
HK$35,861
−HK$1,099/mo
Today · 4.125%
HK$36,960
baseline
▲ 0.50% · 4.625%
HK$39,209
+HK$2,249/mo
Deposit HK$5.08M · loan HK$7.63M · min. income ≈ HK$73,920/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$476,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,691
−HK$2,091/mo
▼ 0.25% · 3.875%
HK$39,729
−HK$1,053/mo
Today · 4.125%
HK$40,782
baseline
▲ 0.50% · 4.625%
HK$42,931
+HK$2,149/mo
Deposit HK$5.08M · loan HK$7.63M · min. income ≈ HK$81,564/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$476,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,576
−HK$2,544/mo
▼ 0.25% · 3.875%
HK$41,838
−HK$1,282/mo
Today · 4.125%
HK$43,120
baseline
▲ 0.50% · 4.625%
HK$45,744
+HK$2,624/mo
Deposit HK$3.81M · loan HK$8.90M · min. income ≈ HK$86,240/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$476,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,140
−HK$2,439/mo
▼ 0.25% · 3.875%
HK$46,351
−HK$1,228/mo
Today · 4.125%
HK$47,579
baseline
▲ 0.50% · 4.625%
HK$50,087
+HK$2,508/mo
Deposit HK$3.81M · loan HK$8.90M · min. income ≈ HK$95,158/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$476,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,169
−HK$3,271/mo
▼ 0.25% · 3.875%
HK$53,791
−HK$1,649/mo
Today · 4.125%
HK$55,440
baseline
▲ 0.50% · 4.625%
HK$58,813
+HK$3,373/mo
Deposit HK$1.27M · loan HK$11.44M · min. income ≈ HK$110,880/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$476,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,037
−HK$3,136/mo
▼ 0.25% · 3.875%
HK$59,594
−HK$1,579/mo
Today · 4.125%
HK$61,173
baseline
▲ 0.50% · 4.625%
HK$64,397
+HK$3,224/mo
Deposit HK$1.27M · loan HK$11.44M · min. income ≈ HK$122,346/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$476,634 · Scale 2, in force from 26 Feb 2026)