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$28,941
−HK$1,814/mo
▼ 0.25% · 3.875%
HK$29,841
−HK$914/mo
Today · 4.125%
HK$30,755
baseline
▲ 0.50% · 4.625%
HK$32,627
+HK$1,872/mo
Deposit HK$6.35M · loan HK$6.35M · min. income ≈ HK$61,510/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$475,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,196
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$33,060
−HK$876/mo
Today · 4.125%
HK$33,936
baseline
▲ 0.50% · 4.625%
HK$35,724
+HK$1,788/mo
Deposit HK$6.35M · loan HK$6.35M · min. income ≈ HK$67,872/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$475,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,729
−HK$2,178/mo
▼ 0.25% · 3.875%
HK$35,809
−HK$1,098/mo
Today · 4.125%
HK$36,907
baseline
▲ 0.50% · 4.625%
HK$39,152
+HK$2,245/mo
Deposit HK$5.08M · loan HK$7.62M · min. income ≈ HK$73,814/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$475,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,635
−HK$2,088/mo
▼ 0.25% · 3.875%
HK$39,672
−HK$1,051/mo
Today · 4.125%
HK$40,723
baseline
▲ 0.50% · 4.625%
HK$42,869
+HK$2,146/mo
Deposit HK$5.08M · loan HK$7.62M · min. income ≈ HK$81,446/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$475,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,517
−HK$2,541/mo
▼ 0.25% · 3.875%
HK$41,777
−HK$1,281/mo
Today · 4.125%
HK$43,058
baseline
▲ 0.50% · 4.625%
HK$45,678
+HK$2,620/mo
Deposit HK$3.81M · loan HK$8.88M · min. income ≈ HK$86,116/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,075
−HK$2,435/mo
▼ 0.25% · 3.875%
HK$46,284
−HK$1,226/mo
Today · 4.125%
HK$47,510
baseline
▲ 0.50% · 4.625%
HK$50,014
+HK$2,504/mo
Deposit HK$3.81M · loan HK$8.88M · min. income ≈ HK$95,020/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,093
−HK$3,267/mo
▼ 0.25% · 3.875%
HK$53,714
−HK$1,646/mo
Today · 4.125%
HK$55,360
baseline
▲ 0.50% · 4.625%
HK$58,728
+HK$3,368/mo
Deposit HK$1.27M · loan HK$11.42M · min. income ≈ HK$110,720/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$475,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,953
−HK$3,131/mo
▼ 0.25% · 3.875%
HK$59,507
−HK$1,577/mo
Today · 4.125%
HK$61,084
baseline
▲ 0.50% · 4.625%
HK$64,304
+HK$3,220/mo
Deposit HK$1.27M · loan HK$11.42M · min. income ≈ HK$122,168/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$475,944 · Scale 2, in force from 26 Feb 2026)