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$28,999
−HK$1,818/mo
▼ 0.25% · 3.875%
HK$29,901
−HK$916/mo
Today · 4.125%
HK$30,817
baseline
▲ 0.50% · 4.625%
HK$32,693
+HK$1,876/mo
Deposit HK$6.36M · loan HK$6.36M · min. income ≈ HK$61,634/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$476,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,261
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$33,126
−HK$878/mo
Today · 4.125%
HK$34,004
baseline
▲ 0.50% · 4.625%
HK$35,796
+HK$1,792/mo
Deposit HK$6.36M · loan HK$6.36M · min. income ≈ HK$68,008/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$476,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,799
−HK$2,182/mo
▼ 0.25% · 3.875%
HK$35,881
−HK$1,100/mo
Today · 4.125%
HK$36,981
baseline
▲ 0.50% · 4.625%
HK$39,231
+HK$2,250/mo
Deposit HK$5.09M · loan HK$7.63M · min. income ≈ HK$73,962/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$476,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,713
−HK$2,092/mo
▼ 0.25% · 3.875%
HK$39,751
−HK$1,054/mo
Today · 4.125%
HK$40,805
baseline
▲ 0.50% · 4.625%
HK$42,956
+HK$2,151/mo
Deposit HK$5.09M · loan HK$7.63M · min. income ≈ HK$81,610/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$476,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,598
−HK$2,546/mo
▼ 0.25% · 3.875%
HK$41,861
−HK$1,283/mo
Today · 4.125%
HK$43,144
baseline
▲ 0.50% · 4.625%
HK$45,770
+HK$2,626/mo
Deposit HK$3.82M · loan HK$8.90M · min. income ≈ HK$86,288/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$476,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,165
−HK$2,440/mo
▼ 0.25% · 3.875%
HK$46,377
−HK$1,228/mo
Today · 4.125%
HK$47,605
baseline
▲ 0.50% · 4.625%
HK$50,115
+HK$2,510/mo
Deposit HK$3.82M · loan HK$8.90M · min. income ≈ HK$95,210/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$476,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,198
−HK$3,273/mo
▼ 0.25% · 3.875%
HK$53,822
−HK$1,649/mo
Today · 4.125%
HK$55,471
baseline
▲ 0.50% · 4.625%
HK$58,847
+HK$3,376/mo
Deposit HK$1.27M · loan HK$11.45M · min. income ≈ HK$110,942/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$476,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,070
−HK$3,137/mo
▼ 0.25% · 3.875%
HK$59,627
−HK$1,580/mo
Today · 4.125%
HK$61,207
baseline
▲ 0.50% · 4.625%
HK$64,433
+HK$3,226/mo
Deposit HK$1.27M · loan HK$11.45M · min. income ≈ HK$122,414/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$476,902 · Scale 2, in force from 26 Feb 2026)