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$28,985
−HK$1,818/mo
▼ 0.25% · 3.875%
HK$29,887
−HK$916/mo
Today · 4.125%
HK$30,803
baseline
▲ 0.50% · 4.625%
HK$32,677
+HK$1,874/mo
Deposit HK$6.36M · loan HK$6.36M · min. income ≈ HK$61,606/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$476,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,246
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$33,111
−HK$877/mo
Today · 4.125%
HK$33,988
baseline
▲ 0.50% · 4.625%
HK$35,780
+HK$1,792/mo
Deposit HK$6.36M · loan HK$6.36M · min. income ≈ HK$67,976/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$476,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,782
−HK$2,182/mo
▼ 0.25% · 3.875%
HK$35,864
−HK$1,100/mo
Today · 4.125%
HK$36,964
baseline
▲ 0.50% · 4.625%
HK$39,213
+HK$2,249/mo
Deposit HK$5.08M · loan HK$7.63M · min. income ≈ HK$73,928/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$476,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,695
−HK$2,091/mo
▼ 0.25% · 3.875%
HK$39,733
−HK$1,053/mo
Today · 4.125%
HK$40,786
baseline
▲ 0.50% · 4.625%
HK$42,936
+HK$2,150/mo
Deposit HK$5.08M · loan HK$7.63M · min. income ≈ HK$81,572/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$476,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,580
−HK$2,544/mo
▼ 0.25% · 3.875%
HK$41,842
−HK$1,282/mo
Today · 4.125%
HK$43,124
baseline
▲ 0.50% · 4.625%
HK$45,748
+HK$2,624/mo
Deposit HK$3.81M · loan HK$8.90M · min. income ≈ HK$86,248/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$476,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,144
−HK$2,439/mo
▼ 0.25% · 3.875%
HK$46,355
−HK$1,228/mo
Today · 4.125%
HK$47,583
baseline
▲ 0.50% · 4.625%
HK$50,091
+HK$2,508/mo
Deposit HK$3.81M · loan HK$8.90M · min. income ≈ HK$95,166/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$476,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,174
−HK$3,271/mo
▼ 0.25% · 3.875%
HK$53,797
−HK$1,648/mo
Today · 4.125%
HK$55,445
baseline
▲ 0.50% · 4.625%
HK$58,819
+HK$3,374/mo
Deposit HK$1.27M · loan HK$11.44M · min. income ≈ HK$110,890/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$476,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,043
−HK$3,136/mo
▼ 0.25% · 3.875%
HK$59,599
−HK$1,580/mo
Today · 4.125%
HK$61,179
baseline
▲ 0.50% · 4.625%
HK$64,403
+HK$3,224/mo
Deposit HK$1.27M · loan HK$11.44M · min. income ≈ HK$122,358/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$476,680 · Scale 2, in force from 26 Feb 2026)