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$28,974
−HK$1,817/mo
▼ 0.25% · 3.875%
HK$29,875
−HK$916/mo
Today · 4.125%
HK$30,791
baseline
▲ 0.50% · 4.625%
HK$32,664
+HK$1,873/mo
Deposit HK$6.35M · loan HK$6.35M · min. income ≈ HK$61,582/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$476,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,233
−HK$1,741/mo
▼ 0.25% · 3.875%
HK$33,097
−HK$877/mo
Today · 4.125%
HK$33,974
baseline
▲ 0.50% · 4.625%
HK$35,765
+HK$1,791/mo
Deposit HK$6.35M · loan HK$6.35M · min. income ≈ HK$67,948/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$476,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,768
−HK$2,181/mo
▼ 0.25% · 3.875%
HK$35,850
−HK$1,099/mo
Today · 4.125%
HK$36,949
baseline
▲ 0.50% · 4.625%
HK$39,197
+HK$2,248/mo
Deposit HK$5.08M · loan HK$7.62M · min. income ≈ HK$73,898/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$476,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,679
−HK$2,090/mo
▼ 0.25% · 3.875%
HK$39,717
−HK$1,052/mo
Today · 4.125%
HK$40,769
baseline
▲ 0.50% · 4.625%
HK$42,918
+HK$2,149/mo
Deposit HK$5.08M · loan HK$7.62M · min. income ≈ HK$81,538/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$476,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,563
−HK$2,544/mo
▼ 0.25% · 3.875%
HK$41,825
−HK$1,282/mo
Today · 4.125%
HK$43,107
baseline
▲ 0.50% · 4.625%
HK$45,730
+HK$2,623/mo
Deposit HK$3.81M · loan HK$8.89M · min. income ≈ HK$86,214/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$476,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,126
−HK$2,438/mo
▼ 0.25% · 3.875%
HK$46,336
−HK$1,228/mo
Today · 4.125%
HK$47,564
baseline
▲ 0.50% · 4.625%
HK$50,071
+HK$2,507/mo
Deposit HK$3.81M · loan HK$8.89M · min. income ≈ HK$95,128/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$476,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,153
−HK$3,270/mo
▼ 0.25% · 3.875%
HK$53,775
−HK$1,648/mo
Today · 4.125%
HK$55,423
baseline
▲ 0.50% · 4.625%
HK$58,795
+HK$3,372/mo
Deposit HK$1.27M · loan HK$11.44M · min. income ≈ HK$110,846/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$476,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,019
−HK$3,135/mo
▼ 0.25% · 3.875%
HK$59,575
−HK$1,579/mo
Today · 4.125%
HK$61,154
baseline
▲ 0.50% · 4.625%
HK$64,377
+HK$3,223/mo
Deposit HK$1.27M · loan HK$11.44M · min. income ≈ HK$122,308/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$476,487 · Scale 2, in force from 26 Feb 2026)