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$28,978
−HK$1,818/mo
▼ 0.25% · 3.875%
HK$29,880
−HK$916/mo
Today · 4.125%
HK$30,796
baseline
▲ 0.50% · 4.625%
HK$32,669
+HK$1,873/mo
Deposit HK$6.35M · loan HK$6.35M · min. income ≈ HK$61,592/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$476,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,238
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$33,103
−HK$877/mo
Today · 4.125%
HK$33,980
baseline
▲ 0.50% · 4.625%
HK$35,771
+HK$1,791/mo
Deposit HK$6.35M · loan HK$6.35M · min. income ≈ HK$67,960/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$476,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,774
−HK$2,181/mo
▼ 0.25% · 3.875%
HK$35,856
−HK$1,099/mo
Today · 4.125%
HK$36,955
baseline
▲ 0.50% · 4.625%
HK$39,203
+HK$2,248/mo
Deposit HK$5.08M · loan HK$7.63M · min. income ≈ HK$73,910/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$476,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,686
−HK$2,090/mo
▼ 0.25% · 3.875%
HK$39,723
−HK$1,053/mo
Today · 4.125%
HK$40,776
baseline
▲ 0.50% · 4.625%
HK$42,925
+HK$2,149/mo
Deposit HK$5.08M · loan HK$7.63M · min. income ≈ HK$81,552/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$476,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,570
−HK$2,544/mo
▼ 0.25% · 3.875%
HK$41,832
−HK$1,282/mo
Today · 4.125%
HK$43,114
baseline
▲ 0.50% · 4.625%
HK$45,737
+HK$2,623/mo
Deposit HK$3.81M · loan HK$8.90M · min. income ≈ HK$86,228/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$476,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,133
−HK$2,439/mo
▼ 0.25% · 3.875%
HK$46,344
−HK$1,228/mo
Today · 4.125%
HK$47,572
baseline
▲ 0.50% · 4.625%
HK$50,079
+HK$2,507/mo
Deposit HK$3.81M · loan HK$8.90M · min. income ≈ HK$95,144/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$476,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,161
−HK$3,271/mo
▼ 0.25% · 3.875%
HK$53,783
−HK$1,649/mo
Today · 4.125%
HK$55,432
baseline
▲ 0.50% · 4.625%
HK$58,805
+HK$3,373/mo
Deposit HK$1.27M · loan HK$11.44M · min. income ≈ HK$110,864/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$476,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,029
−HK$3,135/mo
▼ 0.25% · 3.875%
HK$59,585
−HK$1,579/mo
Today · 4.125%
HK$61,164
baseline
▲ 0.50% · 4.625%
HK$64,388
+HK$3,224/mo
Deposit HK$1.27M · loan HK$11.44M · min. income ≈ HK$122,328/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$476,564 · Scale 2, in force from 26 Feb 2026)