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$29,000
−HK$1,818/mo
▼ 0.25% · 3.875%
HK$29,902
−HK$916/mo
Today · 4.125%
HK$30,818
baseline
▲ 0.50% · 4.625%
HK$32,694
+HK$1,876/mo
Deposit HK$6.36M · loan HK$6.36M · min. income ≈ HK$61,636/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$476,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,262
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$33,127
−HK$878/mo
Today · 4.125%
HK$34,005
baseline
▲ 0.50% · 4.625%
HK$35,798
+HK$1,793/mo
Deposit HK$6.36M · loan HK$6.36M · min. income ≈ HK$68,010/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$476,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,800
−HK$2,182/mo
▼ 0.25% · 3.875%
HK$35,882
−HK$1,100/mo
Today · 4.125%
HK$36,982
baseline
▲ 0.50% · 4.625%
HK$39,232
+HK$2,250/mo
Deposit HK$5.09M · loan HK$7.63M · min. income ≈ HK$73,964/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$476,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,714
−HK$2,092/mo
▼ 0.25% · 3.875%
HK$39,753
−HK$1,053/mo
Today · 4.125%
HK$40,806
baseline
▲ 0.50% · 4.625%
HK$42,957
+HK$2,151/mo
Deposit HK$5.09M · loan HK$7.63M · min. income ≈ HK$81,612/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$476,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,600
−HK$2,546/mo
▼ 0.25% · 3.875%
HK$41,863
−HK$1,283/mo
Today · 4.125%
HK$43,146
baseline
▲ 0.50% · 4.625%
HK$45,771
+HK$2,625/mo
Deposit HK$3.82M · loan HK$8.90M · min. income ≈ HK$86,292/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$476,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,167
−HK$2,440/mo
▼ 0.25% · 3.875%
HK$46,378
−HK$1,229/mo
Today · 4.125%
HK$47,607
baseline
▲ 0.50% · 4.625%
HK$50,117
+HK$2,510/mo
Deposit HK$3.82M · loan HK$8.90M · min. income ≈ HK$95,214/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$476,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,200
−HK$3,273/mo
▼ 0.25% · 3.875%
HK$53,823
−HK$1,650/mo
Today · 4.125%
HK$55,473
baseline
▲ 0.50% · 4.625%
HK$58,849
+HK$3,376/mo
Deposit HK$1.27M · loan HK$11.45M · min. income ≈ HK$110,946/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$476,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,072
−HK$3,137/mo
▼ 0.25% · 3.875%
HK$59,629
−HK$1,580/mo
Today · 4.125%
HK$61,209
baseline
▲ 0.50% · 4.625%
HK$64,436
+HK$3,227/mo
Deposit HK$1.27M · loan HK$11.45M · min. income ≈ HK$122,418/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$476,919 · Scale 2, in force from 26 Feb 2026)