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$28,968
−HK$1,817/mo
▼ 0.25% · 3.875%
HK$29,869
−HK$916/mo
Today · 4.125%
HK$30,785
baseline
▲ 0.50% · 4.625%
HK$32,658
+HK$1,873/mo
Deposit HK$6.35M · loan HK$6.35M · min. income ≈ HK$61,570/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$476,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,227
−HK$1,741/mo
▼ 0.25% · 3.875%
HK$33,091
−HK$877/mo
Today · 4.125%
HK$33,968
baseline
▲ 0.50% · 4.625%
HK$35,758
+HK$1,790/mo
Deposit HK$6.35M · loan HK$6.35M · min. income ≈ HK$67,936/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$476,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,762
−HK$2,180/mo
▼ 0.25% · 3.875%
HK$35,843
−HK$1,099/mo
Today · 4.125%
HK$36,942
baseline
▲ 0.50% · 4.625%
HK$39,189
+HK$2,247/mo
Deposit HK$5.08M · loan HK$7.62M · min. income ≈ HK$73,884/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$476,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,672
−HK$2,089/mo
▼ 0.25% · 3.875%
HK$39,709
−HK$1,052/mo
Today · 4.125%
HK$40,761
baseline
▲ 0.50% · 4.625%
HK$42,910
+HK$2,149/mo
Deposit HK$5.08M · loan HK$7.62M · min. income ≈ HK$81,522/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$476,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,555
−HK$2,544/mo
▼ 0.25% · 3.875%
HK$41,817
−HK$1,282/mo
Today · 4.125%
HK$43,099
baseline
▲ 0.50% · 4.625%
HK$45,721
+HK$2,622/mo
Deposit HK$3.81M · loan HK$8.89M · min. income ≈ HK$86,198/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$476,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,117
−HK$2,438/mo
▼ 0.25% · 3.875%
HK$46,328
−HK$1,227/mo
Today · 4.125%
HK$47,555
baseline
▲ 0.50% · 4.625%
HK$50,062
+HK$2,507/mo
Deposit HK$3.81M · loan HK$8.89M · min. income ≈ HK$95,110/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$476,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,143
−HK$3,269/mo
▼ 0.25% · 3.875%
HK$53,765
−HK$1,647/mo
Today · 4.125%
HK$55,412
baseline
▲ 0.50% · 4.625%
HK$58,784
+HK$3,372/mo
Deposit HK$1.27M · loan HK$11.43M · min. income ≈ HK$110,824/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$476,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,008
−HK$3,134/mo
▼ 0.25% · 3.875%
HK$59,564
−HK$1,578/mo
Today · 4.125%
HK$61,142
baseline
▲ 0.50% · 4.625%
HK$64,365
+HK$3,223/mo
Deposit HK$1.27M · loan HK$11.43M · min. income ≈ HK$122,284/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$476,397 · Scale 2, in force from 26 Feb 2026)