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$28,951
−HK$1,815/mo
▼ 0.25% · 3.875%
HK$29,851
−HK$915/mo
Today · 4.125%
HK$30,766
baseline
▲ 0.50% · 4.625%
HK$32,638
+HK$1,872/mo
Deposit HK$6.35M · loan HK$6.35M · min. income ≈ HK$61,532/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$476,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,207
−HK$1,741/mo
▼ 0.25% · 3.875%
HK$33,071
−HK$877/mo
Today · 4.125%
HK$33,948
baseline
▲ 0.50% · 4.625%
HK$35,737
+HK$1,789/mo
Deposit HK$6.35M · loan HK$6.35M · min. income ≈ HK$67,896/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$476,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,741
−HK$2,179/mo
▼ 0.25% · 3.875%
HK$35,822
−HK$1,098/mo
Today · 4.125%
HK$36,920
baseline
▲ 0.50% · 4.625%
HK$39,166
+HK$2,246/mo
Deposit HK$5.08M · loan HK$7.62M · min. income ≈ HK$73,840/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$476,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,649
−HK$2,088/mo
▼ 0.25% · 3.875%
HK$39,686
−HK$1,051/mo
Today · 4.125%
HK$40,737
baseline
▲ 0.50% · 4.625%
HK$42,884
+HK$2,147/mo
Deposit HK$5.08M · loan HK$7.62M · min. income ≈ HK$81,474/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$476,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,531
−HK$2,542/mo
▼ 0.25% · 3.875%
HK$41,792
−HK$1,281/mo
Today · 4.125%
HK$43,073
baseline
▲ 0.50% · 4.625%
HK$45,694
+HK$2,621/mo
Deposit HK$3.81M · loan HK$8.89M · min. income ≈ HK$86,146/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$476,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,090
−HK$2,437/mo
▼ 0.25% · 3.875%
HK$46,300
−HK$1,227/mo
Today · 4.125%
HK$47,527
baseline
▲ 0.50% · 4.625%
HK$50,032
+HK$2,505/mo
Deposit HK$3.81M · loan HK$8.89M · min. income ≈ HK$95,054/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$476,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,111
−HK$3,268/mo
▼ 0.25% · 3.875%
HK$53,732
−HK$1,647/mo
Today · 4.125%
HK$55,379
baseline
▲ 0.50% · 4.625%
HK$58,749
+HK$3,370/mo
Deposit HK$1.27M · loan HK$11.43M · min. income ≈ HK$110,758/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$476,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,973
−HK$3,133/mo
▼ 0.25% · 3.875%
HK$59,528
−HK$1,578/mo
Today · 4.125%
HK$61,106
baseline
▲ 0.50% · 4.625%
HK$64,327
+HK$3,221/mo
Deposit HK$1.27M · loan HK$11.43M · min. income ≈ HK$122,212/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$476,111 · Scale 2, in force from 26 Feb 2026)