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$28,992
−HK$1,818/mo
▼ 0.25% · 3.875%
HK$29,894
−HK$916/mo
Today · 4.125%
HK$30,810
baseline
▲ 0.50% · 4.625%
HK$32,684
+HK$1,874/mo
Deposit HK$6.36M · loan HK$6.36M · min. income ≈ HK$61,620/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$476,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,253
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$33,118
−HK$878/mo
Today · 4.125%
HK$33,996
baseline
▲ 0.50% · 4.625%
HK$35,787
+HK$1,791/mo
Deposit HK$6.36M · loan HK$6.36M · min. income ≈ HK$67,992/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$476,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,790
−HK$2,182/mo
▼ 0.25% · 3.875%
HK$35,872
−HK$1,100/mo
Today · 4.125%
HK$36,972
baseline
▲ 0.50% · 4.625%
HK$39,221
+HK$2,249/mo
Deposit HK$5.09M · loan HK$7.63M · min. income ≈ HK$73,944/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$476,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,704
−HK$2,091/mo
▼ 0.25% · 3.875%
HK$39,742
−HK$1,053/mo
Today · 4.125%
HK$40,795
baseline
▲ 0.50% · 4.625%
HK$42,945
+HK$2,150/mo
Deposit HK$5.09M · loan HK$7.63M · min. income ≈ HK$81,590/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$476,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,588
−HK$2,546/mo
▼ 0.25% · 3.875%
HK$41,851
−HK$1,283/mo
Today · 4.125%
HK$43,134
baseline
▲ 0.50% · 4.625%
HK$45,758
+HK$2,624/mo
Deposit HK$3.81M · loan HK$8.90M · min. income ≈ HK$86,268/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$476,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,154
−HK$2,440/mo
▼ 0.25% · 3.875%
HK$46,365
−HK$1,229/mo
Today · 4.125%
HK$47,594
baseline
▲ 0.50% · 4.625%
HK$50,102
+HK$2,508/mo
Deposit HK$3.81M · loan HK$8.90M · min. income ≈ HK$95,188/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$476,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,185
−HK$3,273/mo
▼ 0.25% · 3.875%
HK$53,808
−HK$1,650/mo
Today · 4.125%
HK$55,458
baseline
▲ 0.50% · 4.625%
HK$58,832
+HK$3,374/mo
Deposit HK$1.27M · loan HK$11.44M · min. income ≈ HK$110,916/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$476,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,055
−HK$3,137/mo
▼ 0.25% · 3.875%
HK$59,612
−HK$1,580/mo
Today · 4.125%
HK$61,192
baseline
▲ 0.50% · 4.625%
HK$64,417
+HK$3,225/mo
Deposit HK$1.27M · loan HK$11.44M · min. income ≈ HK$122,384/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$476,784 · Scale 2, in force from 26 Feb 2026)