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$28,959
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$29,860
−HK$915/mo
Today · 4.125%
HK$30,775
baseline
▲ 0.50% · 4.625%
HK$32,648
+HK$1,873/mo
Deposit HK$6.35M · loan HK$6.35M · min. income ≈ HK$61,550/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$476,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,217
−HK$1,741/mo
▼ 0.25% · 3.875%
HK$33,081
−HK$877/mo
Today · 4.125%
HK$33,958
baseline
▲ 0.50% · 4.625%
HK$35,748
+HK$1,790/mo
Deposit HK$6.35M · loan HK$6.35M · min. income ≈ HK$67,916/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$476,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,751
−HK$2,180/mo
▼ 0.25% · 3.875%
HK$35,832
−HK$1,099/mo
Today · 4.125%
HK$36,931
baseline
▲ 0.50% · 4.625%
HK$39,178
+HK$2,247/mo
Deposit HK$5.08M · loan HK$7.62M · min. income ≈ HK$73,862/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$476,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,661
−HK$2,088/mo
▼ 0.25% · 3.875%
HK$39,697
−HK$1,052/mo
Today · 4.125%
HK$40,749
baseline
▲ 0.50% · 4.625%
HK$42,897
+HK$2,148/mo
Deposit HK$5.08M · loan HK$7.62M · min. income ≈ HK$81,498/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$476,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,543
−HK$2,543/mo
▼ 0.25% · 3.875%
HK$41,804
−HK$1,282/mo
Today · 4.125%
HK$43,086
baseline
▲ 0.50% · 4.625%
HK$45,707
+HK$2,621/mo
Deposit HK$3.81M · loan HK$8.89M · min. income ≈ HK$86,172/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$476,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,104
−HK$2,437/mo
▼ 0.25% · 3.875%
HK$46,314
−HK$1,227/mo
Today · 4.125%
HK$47,541
baseline
▲ 0.50% · 4.625%
HK$50,047
+HK$2,506/mo
Deposit HK$3.81M · loan HK$8.89M · min. income ≈ HK$95,082/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$476,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,127
−HK$3,269/mo
▼ 0.25% · 3.875%
HK$53,748
−HK$1,648/mo
Today · 4.125%
HK$55,396
baseline
▲ 0.50% · 4.625%
HK$58,767
+HK$3,371/mo
Deposit HK$1.27M · loan HK$11.43M · min. income ≈ HK$110,792/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$476,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,991
−HK$3,133/mo
▼ 0.25% · 3.875%
HK$59,546
−HK$1,578/mo
Today · 4.125%
HK$61,124
baseline
▲ 0.50% · 4.625%
HK$64,346
+HK$3,222/mo
Deposit HK$1.27M · loan HK$11.43M · min. income ≈ HK$122,248/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$476,254 · Scale 2, in force from 26 Feb 2026)