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$28,973
−HK$1,817/mo
▼ 0.25% · 3.875%
HK$29,874
−HK$916/mo
Today · 4.125%
HK$30,790
baseline
▲ 0.50% · 4.625%
HK$32,663
+HK$1,873/mo
Deposit HK$6.35M · loan HK$6.35M · min. income ≈ HK$61,580/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$476,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,232
−HK$1,741/mo
▼ 0.25% · 3.875%
HK$33,096
−HK$877/mo
Today · 4.125%
HK$33,973
baseline
▲ 0.50% · 4.625%
HK$35,764
+HK$1,791/mo
Deposit HK$6.35M · loan HK$6.35M · min. income ≈ HK$67,946/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$476,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,767
−HK$2,181/mo
▼ 0.25% · 3.875%
HK$35,849
−HK$1,099/mo
Today · 4.125%
HK$36,948
baseline
▲ 0.50% · 4.625%
HK$39,196
+HK$2,248/mo
Deposit HK$5.08M · loan HK$7.62M · min. income ≈ HK$73,896/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$476,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,678
−HK$2,090/mo
▼ 0.25% · 3.875%
HK$39,716
−HK$1,052/mo
Today · 4.125%
HK$40,768
baseline
▲ 0.50% · 4.625%
HK$42,917
+HK$2,149/mo
Deposit HK$5.08M · loan HK$7.62M · min. income ≈ HK$81,536/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$476,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,562
−HK$2,544/mo
▼ 0.25% · 3.875%
HK$41,824
−HK$1,282/mo
Today · 4.125%
HK$43,106
baseline
▲ 0.50% · 4.625%
HK$45,728
+HK$2,622/mo
Deposit HK$3.81M · loan HK$8.89M · min. income ≈ HK$86,212/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$476,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,125
−HK$2,438/mo
▼ 0.25% · 3.875%
HK$46,335
−HK$1,228/mo
Today · 4.125%
HK$47,563
baseline
▲ 0.50% · 4.625%
HK$50,070
+HK$2,507/mo
Deposit HK$3.81M · loan HK$8.89M · min. income ≈ HK$95,126/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$476,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,151
−HK$3,270/mo
▼ 0.25% · 3.875%
HK$53,773
−HK$1,648/mo
Today · 4.125%
HK$55,421
baseline
▲ 0.50% · 4.625%
HK$58,794
+HK$3,373/mo
Deposit HK$1.27M · loan HK$11.44M · min. income ≈ HK$110,842/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$476,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,018
−HK$3,134/mo
▼ 0.25% · 3.875%
HK$59,574
−HK$1,578/mo
Today · 4.125%
HK$61,152
baseline
▲ 0.50% · 4.625%
HK$64,375
+HK$3,223/mo
Deposit HK$1.27M · loan HK$11.44M · min. income ≈ HK$122,304/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$476,473 · Scale 2, in force from 26 Feb 2026)