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$28,983
−HK$1,818/mo
▼ 0.25% · 3.875%
HK$29,885
−HK$916/mo
Today · 4.125%
HK$30,801
baseline
▲ 0.50% · 4.625%
HK$32,675
+HK$1,874/mo
Deposit HK$6.36M · loan HK$6.36M · min. income ≈ HK$61,602/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$476,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,244
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$33,109
−HK$877/mo
Today · 4.125%
HK$33,986
baseline
▲ 0.50% · 4.625%
HK$35,777
+HK$1,791/mo
Deposit HK$6.36M · loan HK$6.36M · min. income ≈ HK$67,972/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$476,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,780
−HK$2,181/mo
▼ 0.25% · 3.875%
HK$35,862
−HK$1,099/mo
Today · 4.125%
HK$36,961
baseline
▲ 0.50% · 4.625%
HK$39,210
+HK$2,249/mo
Deposit HK$5.08M · loan HK$7.63M · min. income ≈ HK$73,922/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$476,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,693
−HK$2,090/mo
▼ 0.25% · 3.875%
HK$39,730
−HK$1,053/mo
Today · 4.125%
HK$40,783
baseline
▲ 0.50% · 4.625%
HK$42,933
+HK$2,150/mo
Deposit HK$5.08M · loan HK$7.63M · min. income ≈ HK$81,566/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$476,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,577
−HK$2,544/mo
▼ 0.25% · 3.875%
HK$41,839
−HK$1,282/mo
Today · 4.125%
HK$43,121
baseline
▲ 0.50% · 4.625%
HK$45,745
+HK$2,624/mo
Deposit HK$3.81M · loan HK$8.90M · min. income ≈ HK$86,242/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$476,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,141
−HK$2,439/mo
▼ 0.25% · 3.875%
HK$46,352
−HK$1,228/mo
Today · 4.125%
HK$47,580
baseline
▲ 0.50% · 4.625%
HK$50,088
+HK$2,508/mo
Deposit HK$3.81M · loan HK$8.90M · min. income ≈ HK$95,160/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$476,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,170
−HK$3,272/mo
▼ 0.25% · 3.875%
HK$53,793
−HK$1,649/mo
Today · 4.125%
HK$55,442
baseline
▲ 0.50% · 4.625%
HK$58,815
+HK$3,373/mo
Deposit HK$1.27M · loan HK$11.44M · min. income ≈ HK$110,884/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$476,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,039
−HK$3,136/mo
▼ 0.25% · 3.875%
HK$59,595
−HK$1,580/mo
Today · 4.125%
HK$61,175
baseline
▲ 0.50% · 4.625%
HK$64,399
+HK$3,224/mo
Deposit HK$1.27M · loan HK$11.44M · min. income ≈ HK$122,350/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$476,649 · Scale 2, in force from 26 Feb 2026)