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$1,816/mo
▼ 0.25% · 3.875%
HK$29,869
−HK$915/mo
Today · 4.125%
HK$30,784
baseline
▲ 0.50% · 4.625%
HK$32,657
+HK$1,873/mo
Deposit HK$6.35M · loan HK$6.35M · min. income ≈ HK$61,568/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$476,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,226
−HK$1,741/mo
▼ 0.25% · 3.875%
HK$33,091
−HK$876/mo
Today · 4.125%
HK$33,967
baseline
▲ 0.50% · 4.625%
HK$35,758
+HK$1,791/mo
Deposit HK$6.35M · loan HK$6.35M · min. income ≈ HK$67,934/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$476,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,761
−HK$2,180/mo
▼ 0.25% · 3.875%
HK$35,843
−HK$1,098/mo
Today · 4.125%
HK$36,941
baseline
▲ 0.50% · 4.625%
HK$39,189
+HK$2,248/mo
Deposit HK$5.08M · loan HK$7.62M · min. income ≈ HK$73,882/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$476,390 · 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$42,909
+HK$2,148/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$476,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,555
−HK$2,543/mo
▼ 0.25% · 3.875%
HK$41,816
−HK$1,282/mo
Today · 4.125%
HK$43,098
baseline
▲ 0.50% · 4.625%
HK$45,720
+HK$2,622/mo
Deposit HK$3.81M · loan HK$8.89M · min. income ≈ HK$86,196/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$476,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,117
−HK$2,437/mo
▼ 0.25% · 3.875%
HK$46,327
−HK$1,227/mo
Today · 4.125%
HK$47,554
baseline
▲ 0.50% · 4.625%
HK$50,061
+HK$2,507/mo
Deposit HK$3.81M · loan HK$8.89M · min. income ≈ HK$95,108/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$476,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,142
−HK$3,270/mo
▼ 0.25% · 3.875%
HK$53,764
−HK$1,648/mo
Today · 4.125%
HK$55,412
baseline
▲ 0.50% · 4.625%
HK$58,783
+HK$3,371/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$476,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,007
−HK$3,134/mo
▼ 0.25% · 3.875%
HK$59,563
−HK$1,578/mo
Today · 4.125%
HK$61,141
baseline
▲ 0.50% · 4.625%
HK$64,364
+HK$3,223/mo
Deposit HK$1.27M · loan HK$11.43M · min. income ≈ HK$122,282/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$476,390 · Scale 2, in force from 26 Feb 2026)