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$28,916
−HK$1,813/mo
▼ 0.25% · 3.875%
HK$29,816
−HK$913/mo
Today · 4.125%
HK$30,729
baseline
▲ 0.50% · 4.625%
HK$32,599
+HK$1,870/mo
Deposit HK$6.34M · loan HK$6.34M · min. income ≈ HK$61,458/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$475,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,169
−HK$1,738/mo
▼ 0.25% · 3.875%
HK$33,032
−HK$875/mo
Today · 4.125%
HK$33,907
baseline
▲ 0.50% · 4.625%
HK$35,694
+HK$1,787/mo
Deposit HK$6.34M · loan HK$6.34M · min. income ≈ HK$67,814/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$475,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,699
−HK$2,176/mo
▼ 0.25% · 3.875%
HK$35,779
−HK$1,096/mo
Today · 4.125%
HK$36,875
baseline
▲ 0.50% · 4.625%
HK$39,119
+HK$2,244/mo
Deposit HK$5.07M · loan HK$7.61M · min. income ≈ HK$73,750/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$475,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,603
−HK$2,085/mo
▼ 0.25% · 3.875%
HK$39,638
−HK$1,050/mo
Today · 4.125%
HK$40,688
baseline
▲ 0.50% · 4.625%
HK$42,833
+HK$2,145/mo
Deposit HK$5.07M · loan HK$7.61M · min. income ≈ HK$81,376/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$475,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,483
−HK$2,538/mo
▼ 0.25% · 3.875%
HK$41,742
−HK$1,279/mo
Today · 4.125%
HK$43,021
baseline
▲ 0.50% · 4.625%
HK$45,639
+HK$2,618/mo
Deposit HK$3.80M · loan HK$8.88M · min. income ≈ HK$86,042/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,036
−HK$2,434/mo
▼ 0.25% · 3.875%
HK$46,244
−HK$1,226/mo
Today · 4.125%
HK$47,470
baseline
▲ 0.50% · 4.625%
HK$49,972
+HK$2,502/mo
Deposit HK$3.80M · loan HK$8.88M · min. income ≈ HK$94,940/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,049
−HK$3,264/mo
▼ 0.25% · 3.875%
HK$53,668
−HK$1,645/mo
Today · 4.125%
HK$55,313
baseline
▲ 0.50% · 4.625%
HK$58,679
+HK$3,366/mo
Deposit HK$1.27M · loan HK$11.41M · min. income ≈ HK$110,626/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$475,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,904
−HK$3,128/mo
▼ 0.25% · 3.875%
HK$59,457
−HK$1,575/mo
Today · 4.125%
HK$61,032
baseline
▲ 0.50% · 4.625%
HK$64,249
+HK$3,217/mo
Deposit HK$1.27M · loan HK$11.41M · min. income ≈ HK$122,064/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$475,541 · Scale 2, in force from 26 Feb 2026)