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$28,952
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$29,853
−HK$915/mo
Today · 4.125%
HK$30,768
baseline
▲ 0.50% · 4.625%
HK$32,640
+HK$1,872/mo
Deposit HK$6.35M · loan HK$6.35M · min. income ≈ HK$61,536/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$476,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,209
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$33,073
−HK$876/mo
Today · 4.125%
HK$33,949
baseline
▲ 0.50% · 4.625%
HK$35,739
+HK$1,790/mo
Deposit HK$6.35M · loan HK$6.35M · min. income ≈ HK$67,898/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$476,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,743
−HK$2,178/mo
▼ 0.25% · 3.875%
HK$35,823
−HK$1,098/mo
Today · 4.125%
HK$36,921
baseline
▲ 0.50% · 4.625%
HK$39,168
+HK$2,247/mo
Deposit HK$5.08M · loan HK$7.62M · min. income ≈ HK$73,842/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$476,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,651
−HK$2,088/mo
▼ 0.25% · 3.875%
HK$39,687
−HK$1,052/mo
Today · 4.125%
HK$40,739
baseline
▲ 0.50% · 4.625%
HK$42,886
+HK$2,147/mo
Deposit HK$5.08M · loan HK$7.62M · min. income ≈ HK$81,478/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$476,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,533
−HK$2,542/mo
▼ 0.25% · 3.875%
HK$41,794
−HK$1,281/mo
Today · 4.125%
HK$43,075
baseline
▲ 0.50% · 4.625%
HK$45,696
+HK$2,621/mo
Deposit HK$3.81M · loan HK$8.89M · min. income ≈ HK$86,150/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$476,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,093
−HK$2,436/mo
▼ 0.25% · 3.875%
HK$46,302
−HK$1,227/mo
Today · 4.125%
HK$47,529
baseline
▲ 0.50% · 4.625%
HK$50,034
+HK$2,505/mo
Deposit HK$3.81M · loan HK$8.89M · min. income ≈ HK$95,058/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$476,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,114
−HK$3,268/mo
▼ 0.25% · 3.875%
HK$53,735
−HK$1,647/mo
Today · 4.125%
HK$55,382
baseline
▲ 0.50% · 4.625%
HK$58,752
+HK$3,370/mo
Deposit HK$1.27M · loan HK$11.43M · min. income ≈ HK$110,764/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$476,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,976
−HK$3,133/mo
▼ 0.25% · 3.875%
HK$59,531
−HK$1,578/mo
Today · 4.125%
HK$61,109
baseline
▲ 0.50% · 4.625%
HK$64,330
+HK$3,221/mo
Deposit HK$1.27M · loan HK$11.43M · min. income ≈ HK$122,218/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$476,134 · Scale 2, in force from 26 Feb 2026)