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$28,954
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$29,855
−HK$915/mo
Today · 4.125%
HK$30,770
baseline
▲ 0.50% · 4.625%
HK$32,642
+HK$1,872/mo
Deposit HK$6.35M · loan HK$6.35M · min. income ≈ HK$61,540/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$476,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,212
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$33,075
−HK$877/mo
Today · 4.125%
HK$33,952
baseline
▲ 0.50% · 4.625%
HK$35,741
+HK$1,789/mo
Deposit HK$6.35M · loan HK$6.35M · min. income ≈ HK$67,904/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$476,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,745
−HK$2,179/mo
▼ 0.25% · 3.875%
HK$35,826
−HK$1,098/mo
Today · 4.125%
HK$36,924
baseline
▲ 0.50% · 4.625%
HK$39,171
+HK$2,247/mo
Deposit HK$5.08M · loan HK$7.62M · min. income ≈ HK$73,848/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$476,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,654
−HK$2,088/mo
▼ 0.25% · 3.875%
HK$39,691
−HK$1,051/mo
Today · 4.125%
HK$40,742
baseline
▲ 0.50% · 4.625%
HK$42,890
+HK$2,148/mo
Deposit HK$5.08M · loan HK$7.62M · min. income ≈ HK$81,484/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$476,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,536
−HK$2,542/mo
▼ 0.25% · 3.875%
HK$41,797
−HK$1,281/mo
Today · 4.125%
HK$43,078
baseline
▲ 0.50% · 4.625%
HK$45,699
+HK$2,621/mo
Deposit HK$3.81M · loan HK$8.89M · min. income ≈ HK$86,156/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$476,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,096
−HK$2,437/mo
▼ 0.25% · 3.875%
HK$46,306
−HK$1,227/mo
Today · 4.125%
HK$47,533
baseline
▲ 0.50% · 4.625%
HK$50,038
+HK$2,505/mo
Deposit HK$3.81M · loan HK$8.89M · min. income ≈ HK$95,066/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$476,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,118
−HK$3,268/mo
▼ 0.25% · 3.875%
HK$53,739
−HK$1,647/mo
Today · 4.125%
HK$55,386
baseline
▲ 0.50% · 4.625%
HK$58,756
+HK$3,370/mo
Deposit HK$1.27M · loan HK$11.43M · min. income ≈ HK$110,772/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$476,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,981
−HK$3,132/mo
▼ 0.25% · 3.875%
HK$59,536
−HK$1,577/mo
Today · 4.125%
HK$61,113
baseline
▲ 0.50% · 4.625%
HK$64,335
+HK$3,222/mo
Deposit HK$1.27M · loan HK$11.43M · min. income ≈ HK$122,226/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$476,172 · Scale 2, in force from 26 Feb 2026)