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$28,950
−HK$1,815/mo
▼ 0.25% · 3.875%
HK$29,850
−HK$915/mo
Today · 4.125%
HK$30,765
baseline
▲ 0.50% · 4.625%
HK$32,637
+HK$1,872/mo
Deposit HK$6.35M · loan HK$6.35M · min. income ≈ HK$61,530/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$476,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,206
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$33,070
−HK$876/mo
Today · 4.125%
HK$33,946
baseline
▲ 0.50% · 4.625%
HK$35,735
+HK$1,789/mo
Deposit HK$6.35M · loan HK$6.35M · min. income ≈ HK$67,892/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$476,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,740
−HK$2,178/mo
▼ 0.25% · 3.875%
HK$35,820
−HK$1,098/mo
Today · 4.125%
HK$36,918
baseline
▲ 0.50% · 4.625%
HK$39,164
+HK$2,246/mo
Deposit HK$5.08M · loan HK$7.62M · min. income ≈ HK$73,836/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$476,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,647
−HK$2,088/mo
▼ 0.25% · 3.875%
HK$39,684
−HK$1,051/mo
Today · 4.125%
HK$40,735
baseline
▲ 0.50% · 4.625%
HK$42,883
+HK$2,148/mo
Deposit HK$5.08M · loan HK$7.62M · min. income ≈ HK$81,470/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$476,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,529
−HK$2,542/mo
▼ 0.25% · 3.875%
HK$41,790
−HK$1,281/mo
Today · 4.125%
HK$43,071
baseline
▲ 0.50% · 4.625%
HK$45,692
+HK$2,621/mo
Deposit HK$3.81M · loan HK$8.89M · min. income ≈ HK$86,142/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$476,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,089
−HK$2,436/mo
▼ 0.25% · 3.875%
HK$46,298
−HK$1,227/mo
Today · 4.125%
HK$47,525
baseline
▲ 0.50% · 4.625%
HK$50,030
+HK$2,505/mo
Deposit HK$3.81M · loan HK$8.89M · min. income ≈ HK$95,050/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$476,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,109
−HK$3,268/mo
▼ 0.25% · 3.875%
HK$53,730
−HK$1,647/mo
Today · 4.125%
HK$55,377
baseline
▲ 0.50% · 4.625%
HK$58,747
+HK$3,370/mo
Deposit HK$1.27M · loan HK$11.43M · min. income ≈ HK$110,754/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$476,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,971
−HK$3,132/mo
▼ 0.25% · 3.875%
HK$59,526
−HK$1,577/mo
Today · 4.125%
HK$61,103
baseline
▲ 0.50% · 4.625%
HK$64,324
+HK$3,221/mo
Deposit HK$1.27M · loan HK$11.43M · min. income ≈ HK$122,206/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$476,092 · Scale 2, in force from 26 Feb 2026)