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$28,966
−HK$1,817/mo
▼ 0.25% · 3.875%
HK$29,867
−HK$916/mo
Today · 4.125%
HK$30,783
baseline
▲ 0.50% · 4.625%
HK$32,656
+HK$1,873/mo
Deposit HK$6.35M · loan HK$6.35M · min. income ≈ HK$61,566/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$476,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,225
−HK$1,741/mo
▼ 0.25% · 3.875%
HK$33,089
−HK$877/mo
Today · 4.125%
HK$33,966
baseline
▲ 0.50% · 4.625%
HK$35,756
+HK$1,790/mo
Deposit HK$6.35M · loan HK$6.35M · min. income ≈ HK$67,932/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$476,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,760
−HK$2,179/mo
▼ 0.25% · 3.875%
HK$35,841
−HK$1,098/mo
Today · 4.125%
HK$36,939
baseline
▲ 0.50% · 4.625%
HK$39,187
+HK$2,248/mo
Deposit HK$5.08M · loan HK$7.62M · min. income ≈ HK$73,878/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$476,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,670
−HK$2,089/mo
▼ 0.25% · 3.875%
HK$39,707
−HK$1,052/mo
Today · 4.125%
HK$40,759
baseline
▲ 0.50% · 4.625%
HK$42,908
+HK$2,149/mo
Deposit HK$5.08M · loan HK$7.62M · min. income ≈ HK$81,518/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$476,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,553
−HK$2,543/mo
▼ 0.25% · 3.875%
HK$41,814
−HK$1,282/mo
Today · 4.125%
HK$43,096
baseline
▲ 0.50% · 4.625%
HK$45,718
+HK$2,622/mo
Deposit HK$3.81M · loan HK$8.89M · min. income ≈ HK$86,192/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$476,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,115
−HK$2,437/mo
▼ 0.25% · 3.875%
HK$46,325
−HK$1,227/mo
Today · 4.125%
HK$47,552
baseline
▲ 0.50% · 4.625%
HK$50,059
+HK$2,507/mo
Deposit HK$3.81M · loan HK$8.89M · min. income ≈ HK$95,104/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$476,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,140
−HK$3,269/mo
▼ 0.25% · 3.875%
HK$53,761
−HK$1,648/mo
Today · 4.125%
HK$55,409
baseline
▲ 0.50% · 4.625%
HK$58,781
+HK$3,372/mo
Deposit HK$1.27M · loan HK$11.43M · min. income ≈ HK$110,818/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$476,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,005
−HK$3,134/mo
▼ 0.25% · 3.875%
HK$59,560
−HK$1,579/mo
Today · 4.125%
HK$61,139
baseline
▲ 0.50% · 4.625%
HK$64,361
+HK$3,222/mo
Deposit HK$1.27M · loan HK$11.43M · min. income ≈ HK$122,278/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$476,369 · Scale 2, in force from 26 Feb 2026)