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$28,933
−HK$1,815/mo
▼ 0.25% · 3.875%
HK$29,833
−HK$915/mo
Today · 4.125%
HK$30,748
baseline
▲ 0.50% · 4.625%
HK$32,619
+HK$1,871/mo
Deposit HK$6.34M · loan HK$6.34M · min. income ≈ HK$61,496/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$475,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,188
−HK$1,739/mo
▼ 0.25% · 3.875%
HK$33,051
−HK$876/mo
Today · 4.125%
HK$33,927
baseline
▲ 0.50% · 4.625%
HK$35,715
+HK$1,788/mo
Deposit HK$6.34M · loan HK$6.34M · min. income ≈ HK$67,854/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$475,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,720
−HK$2,177/mo
▼ 0.25% · 3.875%
HK$35,800
−HK$1,097/mo
Today · 4.125%
HK$36,897
baseline
▲ 0.50% · 4.625%
HK$39,142
+HK$2,245/mo
Deposit HK$5.08M · loan HK$7.61M · min. income ≈ HK$73,794/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$475,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,625
−HK$2,087/mo
▼ 0.25% · 3.875%
HK$39,661
−HK$1,051/mo
Today · 4.125%
HK$40,712
baseline
▲ 0.50% · 4.625%
HK$42,858
+HK$2,146/mo
Deposit HK$5.08M · loan HK$7.61M · min. income ≈ HK$81,424/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$475,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,507
−HK$2,540/mo
▼ 0.25% · 3.875%
HK$41,766
−HK$1,281/mo
Today · 4.125%
HK$43,047
baseline
▲ 0.50% · 4.625%
HK$45,666
+HK$2,619/mo
Deposit HK$3.81M · loan HK$8.88M · min. income ≈ HK$86,094/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,063
−HK$2,435/mo
▼ 0.25% · 3.875%
HK$46,272
−HK$1,226/mo
Today · 4.125%
HK$47,498
baseline
▲ 0.50% · 4.625%
HK$50,001
+HK$2,503/mo
Deposit HK$3.81M · loan HK$8.88M · min. income ≈ HK$94,996/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,080
−HK$3,266/mo
▼ 0.25% · 3.875%
HK$53,700
−HK$1,646/mo
Today · 4.125%
HK$55,346
baseline
▲ 0.50% · 4.625%
HK$58,713
+HK$3,367/mo
Deposit HK$1.27M · loan HK$11.42M · min. income ≈ HK$110,692/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$475,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,938
−HK$3,130/mo
▼ 0.25% · 3.875%
HK$59,492
−HK$1,576/mo
Today · 4.125%
HK$61,068
baseline
▲ 0.50% · 4.625%
HK$64,287
+HK$3,219/mo
Deposit HK$1.27M · loan HK$11.42M · min. income ≈ HK$122,136/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$475,822 · Scale 2, in force from 26 Feb 2026)