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$28,964
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$29,865
−HK$915/mo
Today · 4.125%
HK$30,780
baseline
▲ 0.50% · 4.625%
HK$32,653
+HK$1,873/mo
Deposit HK$6.35M · loan HK$6.35M · min. income ≈ HK$61,560/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$476,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,222
−HK$1,741/mo
▼ 0.25% · 3.875%
HK$33,086
−HK$877/mo
Today · 4.125%
HK$33,963
baseline
▲ 0.50% · 4.625%
HK$35,753
+HK$1,790/mo
Deposit HK$6.35M · loan HK$6.35M · min. income ≈ HK$67,926/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$476,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,757
−HK$2,179/mo
▼ 0.25% · 3.875%
HK$35,838
−HK$1,098/mo
Today · 4.125%
HK$36,936
baseline
▲ 0.50% · 4.625%
HK$39,184
+HK$2,248/mo
Deposit HK$5.08M · loan HK$7.62M · min. income ≈ HK$73,872/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$476,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,667
−HK$2,089/mo
▼ 0.25% · 3.875%
HK$39,704
−HK$1,052/mo
Today · 4.125%
HK$40,756
baseline
▲ 0.50% · 4.625%
HK$42,904
+HK$2,148/mo
Deposit HK$5.08M · loan HK$7.62M · min. income ≈ HK$81,512/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$476,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,550
−HK$2,543/mo
▼ 0.25% · 3.875%
HK$41,811
−HK$1,282/mo
Today · 4.125%
HK$43,093
baseline
▲ 0.50% · 4.625%
HK$45,715
+HK$2,622/mo
Deposit HK$3.81M · loan HK$8.89M · min. income ≈ HK$86,186/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$476,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,111
−HK$2,437/mo
▼ 0.25% · 3.875%
HK$46,321
−HK$1,227/mo
Today · 4.125%
HK$47,548
baseline
▲ 0.50% · 4.625%
HK$50,055
+HK$2,507/mo
Deposit HK$3.81M · loan HK$8.89M · min. income ≈ HK$95,096/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$476,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,135
−HK$3,270/mo
▼ 0.25% · 3.875%
HK$53,757
−HK$1,648/mo
Today · 4.125%
HK$55,405
baseline
▲ 0.50% · 4.625%
HK$58,776
+HK$3,371/mo
Deposit HK$1.27M · loan HK$11.43M · min. income ≈ HK$110,810/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$476,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,000
−HK$3,134/mo
▼ 0.25% · 3.875%
HK$59,556
−HK$1,578/mo
Today · 4.125%
HK$61,134
baseline
▲ 0.50% · 4.625%
HK$64,356
+HK$3,222/mo
Deposit HK$1.27M · loan HK$11.43M · min. income ≈ HK$122,268/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$476,330 · Scale 2, in force from 26 Feb 2026)