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$28,965
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$29,866
−HK$915/mo
Today · 4.125%
HK$30,781
baseline
▲ 0.50% · 4.625%
HK$32,654
+HK$1,873/mo
Deposit HK$6.35M · loan HK$6.35M · min. income ≈ HK$61,562/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$476,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,223
−HK$1,741/mo
▼ 0.25% · 3.875%
HK$33,087
−HK$877/mo
Today · 4.125%
HK$33,964
baseline
▲ 0.50% · 4.625%
HK$35,754
+HK$1,790/mo
Deposit HK$6.35M · loan HK$6.35M · min. income ≈ HK$67,928/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$476,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,758
−HK$2,179/mo
▼ 0.25% · 3.875%
HK$35,839
−HK$1,098/mo
Today · 4.125%
HK$36,937
baseline
▲ 0.50% · 4.625%
HK$39,185
+HK$2,248/mo
Deposit HK$5.08M · loan HK$7.62M · min. income ≈ HK$73,874/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$476,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,668
−HK$2,089/mo
▼ 0.25% · 3.875%
HK$39,705
−HK$1,052/mo
Today · 4.125%
HK$40,757
baseline
▲ 0.50% · 4.625%
HK$42,905
+HK$2,148/mo
Deposit HK$5.08M · loan HK$7.62M · min. income ≈ HK$81,514/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$476,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,551
−HK$2,543/mo
▼ 0.25% · 3.875%
HK$41,812
−HK$1,282/mo
Today · 4.125%
HK$43,094
baseline
▲ 0.50% · 4.625%
HK$45,716
+HK$2,622/mo
Deposit HK$3.81M · loan HK$8.89M · min. income ≈ HK$86,188/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$476,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,112
−HK$2,438/mo
▼ 0.25% · 3.875%
HK$46,322
−HK$1,228/mo
Today · 4.125%
HK$47,550
baseline
▲ 0.50% · 4.625%
HK$50,056
+HK$2,506/mo
Deposit HK$3.81M · loan HK$8.89M · min. income ≈ HK$95,100/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$476,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,137
−HK$3,269/mo
▼ 0.25% · 3.875%
HK$53,759
−HK$1,647/mo
Today · 4.125%
HK$55,406
baseline
▲ 0.50% · 4.625%
HK$58,778
+HK$3,372/mo
Deposit HK$1.27M · loan HK$11.43M · min. income ≈ HK$110,812/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$476,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,002
−HK$3,133/mo
▼ 0.25% · 3.875%
HK$59,557
−HK$1,578/mo
Today · 4.125%
HK$61,135
baseline
▲ 0.50% · 4.625%
HK$64,358
+HK$3,223/mo
Deposit HK$1.27M · loan HK$11.43M · min. income ≈ HK$122,270/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$476,343 · Scale 2, in force from 26 Feb 2026)