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$28,999
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$29,901
−HK$917/mo
Today · 4.125%
HK$30,818
baseline
▲ 0.50% · 4.625%
HK$32,693
+HK$1,875/mo
Deposit HK$6.36M · loan HK$6.36M · min. income ≈ HK$61,636/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$476,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,261
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$33,127
−HK$877/mo
Today · 4.125%
HK$34,004
baseline
▲ 0.50% · 4.625%
HK$35,797
+HK$1,793/mo
Deposit HK$6.36M · loan HK$6.36M · min. income ≈ HK$68,008/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$476,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,799
−HK$2,182/mo
▼ 0.25% · 3.875%
HK$35,882
−HK$1,099/mo
Today · 4.125%
HK$36,981
baseline
▲ 0.50% · 4.625%
HK$39,232
+HK$2,251/mo
Deposit HK$5.09M · loan HK$7.63M · min. income ≈ HK$73,962/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$476,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,714
−HK$2,091/mo
▼ 0.25% · 3.875%
HK$39,752
−HK$1,053/mo
Today · 4.125%
HK$40,805
baseline
▲ 0.50% · 4.625%
HK$42,956
+HK$2,151/mo
Deposit HK$5.09M · loan HK$7.63M · min. income ≈ HK$81,610/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$476,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,599
−HK$2,546/mo
▼ 0.25% · 3.875%
HK$41,862
−HK$1,283/mo
Today · 4.125%
HK$43,145
baseline
▲ 0.50% · 4.625%
HK$45,770
+HK$2,625/mo
Deposit HK$3.82M · loan HK$8.90M · min. income ≈ HK$86,290/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$476,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,166
−HK$2,440/mo
▼ 0.25% · 3.875%
HK$46,377
−HK$1,229/mo
Today · 4.125%
HK$47,606
baseline
▲ 0.50% · 4.625%
HK$50,116
+HK$2,510/mo
Deposit HK$3.82M · loan HK$8.90M · min. income ≈ HK$95,212/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$476,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,199
−HK$3,273/mo
▼ 0.25% · 3.875%
HK$53,822
−HK$1,650/mo
Today · 4.125%
HK$55,472
baseline
▲ 0.50% · 4.625%
HK$58,847
+HK$3,375/mo
Deposit HK$1.27M · loan HK$11.45M · min. income ≈ HK$110,944/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$476,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,071
−HK$3,137/mo
▼ 0.25% · 3.875%
HK$59,628
−HK$1,580/mo
Today · 4.125%
HK$61,208
baseline
▲ 0.50% · 4.625%
HK$64,434
+HK$3,226/mo
Deposit HK$1.27M · loan HK$11.45M · min. income ≈ HK$122,416/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$476,909 · Scale 2, in force from 26 Feb 2026)