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$28,972
−HK$1,817/mo
▼ 0.25% · 3.875%
HK$29,873
−HK$916/mo
Today · 4.125%
HK$30,789
baseline
▲ 0.50% · 4.625%
HK$32,662
+HK$1,873/mo
Deposit HK$6.35M · loan HK$6.35M · min. income ≈ HK$61,578/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$476,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,231
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$33,096
−HK$877/mo
Today · 4.125%
HK$33,973
baseline
▲ 0.50% · 4.625%
HK$35,763
+HK$1,790/mo
Deposit HK$6.35M · loan HK$6.35M · min. income ≈ HK$67,946/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$476,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,767
−HK$2,180/mo
▼ 0.25% · 3.875%
HK$35,848
−HK$1,099/mo
Today · 4.125%
HK$36,947
baseline
▲ 0.50% · 4.625%
HK$39,195
+HK$2,248/mo
Deposit HK$5.08M · loan HK$7.62M · min. income ≈ HK$73,894/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$476,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,678
−HK$2,089/mo
▼ 0.25% · 3.875%
HK$39,715
−HK$1,052/mo
Today · 4.125%
HK$40,767
baseline
▲ 0.50% · 4.625%
HK$42,916
+HK$2,149/mo
Deposit HK$5.08M · loan HK$7.62M · min. income ≈ HK$81,534/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$476,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,561
−HK$2,544/mo
▼ 0.25% · 3.875%
HK$41,823
−HK$1,282/mo
Today · 4.125%
HK$43,105
baseline
▲ 0.50% · 4.625%
HK$45,727
+HK$2,622/mo
Deposit HK$3.81M · loan HK$8.89M · min. income ≈ HK$86,210/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$476,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,124
−HK$2,438/mo
▼ 0.25% · 3.875%
HK$46,334
−HK$1,228/mo
Today · 4.125%
HK$47,562
baseline
▲ 0.50% · 4.625%
HK$50,069
+HK$2,507/mo
Deposit HK$3.81M · loan HK$8.89M · min. income ≈ HK$95,124/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$476,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,150
−HK$3,270/mo
▼ 0.25% · 3.875%
HK$53,772
−HK$1,648/mo
Today · 4.125%
HK$55,420
baseline
▲ 0.50% · 4.625%
HK$58,792
+HK$3,372/mo
Deposit HK$1.27M · loan HK$11.44M · min. income ≈ HK$110,840/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$476,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,016
−HK$3,135/mo
▼ 0.25% · 3.875%
HK$59,572
−HK$1,579/mo
Today · 4.125%
HK$61,151
baseline
▲ 0.50% · 4.625%
HK$64,374
+HK$3,223/mo
Deposit HK$1.27M · loan HK$11.44M · min. income ≈ HK$122,302/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$476,463 · Scale 2, in force from 26 Feb 2026)