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$28,942
−HK$1,814/mo
▼ 0.25% · 3.875%
HK$29,842
−HK$914/mo
Today · 4.125%
HK$30,756
baseline
▲ 0.50% · 4.625%
HK$32,628
+HK$1,872/mo
Deposit HK$6.35M · loan HK$6.35M · min. income ≈ HK$61,512/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$475,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,197
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$33,061
−HK$876/mo
Today · 4.125%
HK$33,937
baseline
▲ 0.50% · 4.625%
HK$35,726
+HK$1,789/mo
Deposit HK$6.35M · loan HK$6.35M · min. income ≈ HK$67,874/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$475,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,730
−HK$2,178/mo
▼ 0.25% · 3.875%
HK$35,810
−HK$1,098/mo
Today · 4.125%
HK$36,908
baseline
▲ 0.50% · 4.625%
HK$39,153
+HK$2,245/mo
Deposit HK$5.08M · loan HK$7.62M · min. income ≈ HK$73,816/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$475,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,637
−HK$2,087/mo
▼ 0.25% · 3.875%
HK$39,673
−HK$1,051/mo
Today · 4.125%
HK$40,724
baseline
▲ 0.50% · 4.625%
HK$42,871
+HK$2,147/mo
Deposit HK$5.08M · loan HK$7.62M · min. income ≈ HK$81,448/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$475,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,518
−HK$2,541/mo
▼ 0.25% · 3.875%
HK$41,778
−HK$1,281/mo
Today · 4.125%
HK$43,059
baseline
▲ 0.50% · 4.625%
HK$45,679
+HK$2,620/mo
Deposit HK$3.81M · loan HK$8.88M · min. income ≈ HK$86,118/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,076
−HK$2,435/mo
▼ 0.25% · 3.875%
HK$46,285
−HK$1,226/mo
Today · 4.125%
HK$47,511
baseline
▲ 0.50% · 4.625%
HK$50,016
+HK$2,505/mo
Deposit HK$3.81M · loan HK$8.88M · min. income ≈ HK$95,022/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,095
−HK$3,267/mo
▼ 0.25% · 3.875%
HK$53,715
−HK$1,647/mo
Today · 4.125%
HK$55,362
baseline
▲ 0.50% · 4.625%
HK$58,730
+HK$3,368/mo
Deposit HK$1.27M · loan HK$11.42M · min. income ≈ HK$110,724/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$475,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,955
−HK$3,131/mo
▼ 0.25% · 3.875%
HK$59,509
−HK$1,577/mo
Today · 4.125%
HK$61,086
baseline
▲ 0.50% · 4.625%
HK$64,306
+HK$3,220/mo
Deposit HK$1.27M · loan HK$11.42M · min. income ≈ HK$122,172/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$475,959 · Scale 2, in force from 26 Feb 2026)