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$28,961
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$29,862
−HK$915/mo
Today · 4.125%
HK$30,777
baseline
▲ 0.50% · 4.625%
HK$32,650
+HK$1,873/mo
Deposit HK$6.35M · loan HK$6.35M · min. income ≈ HK$61,554/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$476,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,219
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$33,083
−HK$876/mo
Today · 4.125%
HK$33,959
baseline
▲ 0.50% · 4.625%
HK$35,749
+HK$1,790/mo
Deposit HK$6.35M · loan HK$6.35M · min. income ≈ HK$67,918/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$476,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,753
−HK$2,179/mo
▼ 0.25% · 3.875%
HK$35,834
−HK$1,098/mo
Today · 4.125%
HK$36,932
baseline
▲ 0.50% · 4.625%
HK$39,179
+HK$2,247/mo
Deposit HK$5.08M · loan HK$7.62M · min. income ≈ HK$73,864/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$476,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,662
−HK$2,089/mo
▼ 0.25% · 3.875%
HK$39,699
−HK$1,052/mo
Today · 4.125%
HK$40,751
baseline
▲ 0.50% · 4.625%
HK$42,899
+HK$2,148/mo
Deposit HK$5.08M · loan HK$7.62M · min. income ≈ HK$81,502/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$476,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,545
−HK$2,543/mo
▼ 0.25% · 3.875%
HK$41,806
−HK$1,282/mo
Today · 4.125%
HK$43,088
baseline
▲ 0.50% · 4.625%
HK$45,709
+HK$2,621/mo
Deposit HK$3.81M · loan HK$8.89M · min. income ≈ HK$86,176/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$476,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,106
−HK$2,437/mo
▼ 0.25% · 3.875%
HK$46,316
−HK$1,227/mo
Today · 4.125%
HK$47,543
baseline
▲ 0.50% · 4.625%
HK$50,049
+HK$2,506/mo
Deposit HK$3.81M · loan HK$8.89M · min. income ≈ HK$95,086/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$476,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,129
−HK$3,269/mo
▼ 0.25% · 3.875%
HK$53,751
−HK$1,647/mo
Today · 4.125%
HK$55,398
baseline
▲ 0.50% · 4.625%
HK$58,769
+HK$3,371/mo
Deposit HK$1.27M · loan HK$11.43M · min. income ≈ HK$110,796/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$476,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,993
−HK$3,134/mo
▼ 0.25% · 3.875%
HK$59,549
−HK$1,578/mo
Today · 4.125%
HK$61,127
baseline
▲ 0.50% · 4.625%
HK$64,349
+HK$3,222/mo
Deposit HK$1.27M · loan HK$11.43M · min. income ≈ HK$122,254/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$476,275 · Scale 2, in force from 26 Feb 2026)