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$28,940
−HK$1,815/mo
▼ 0.25% · 3.875%
HK$29,840
−HK$915/mo
Today · 4.125%
HK$30,755
baseline
▲ 0.50% · 4.625%
HK$32,626
+HK$1,871/mo
Deposit HK$6.35M · loan HK$6.35M · min. income ≈ HK$61,510/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$475,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,196
−HK$1,739/mo
▼ 0.25% · 3.875%
HK$33,059
−HK$876/mo
Today · 4.125%
HK$33,935
baseline
▲ 0.50% · 4.625%
HK$35,724
+HK$1,789/mo
Deposit HK$6.35M · loan HK$6.35M · min. income ≈ HK$67,870/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$475,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,728
−HK$2,178/mo
▼ 0.25% · 3.875%
HK$35,809
−HK$1,097/mo
Today · 4.125%
HK$36,906
baseline
▲ 0.50% · 4.625%
HK$39,152
+HK$2,246/mo
Deposit HK$5.08M · loan HK$7.62M · min. income ≈ HK$73,812/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$475,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,635
−HK$2,087/mo
▼ 0.25% · 3.875%
HK$39,671
−HK$1,051/mo
Today · 4.125%
HK$40,722
baseline
▲ 0.50% · 4.625%
HK$42,869
+HK$2,147/mo
Deposit HK$5.08M · loan HK$7.62M · min. income ≈ HK$81,444/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$475,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,516
−HK$2,541/mo
▼ 0.25% · 3.875%
HK$41,777
−HK$1,280/mo
Today · 4.125%
HK$43,057
baseline
▲ 0.50% · 4.625%
HK$45,677
+HK$2,620/mo
Deposit HK$3.81M · loan HK$8.88M · min. income ≈ HK$86,114/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,074
−HK$2,435/mo
▼ 0.25% · 3.875%
HK$46,283
−HK$1,226/mo
Today · 4.125%
HK$47,509
baseline
▲ 0.50% · 4.625%
HK$50,014
+HK$2,505/mo
Deposit HK$3.81M · loan HK$8.88M · min. income ≈ HK$95,018/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,092
−HK$3,267/mo
▼ 0.25% · 3.875%
HK$53,713
−HK$1,646/mo
Today · 4.125%
HK$55,359
baseline
▲ 0.50% · 4.625%
HK$58,728
+HK$3,369/mo
Deposit HK$1.27M · loan HK$11.42M · min. income ≈ HK$110,718/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$475,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,952
−HK$3,131/mo
▼ 0.25% · 3.875%
HK$59,507
−HK$1,576/mo
Today · 4.125%
HK$61,083
baseline
▲ 0.50% · 4.625%
HK$64,303
+HK$3,220/mo
Deposit HK$1.27M · loan HK$11.42M · min. income ≈ HK$122,166/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$475,938 · Scale 2, in force from 26 Feb 2026)