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$28,937
−HK$1,814/mo
▼ 0.25% · 3.875%
HK$29,837
−HK$914/mo
Today · 4.125%
HK$30,751
baseline
▲ 0.50% · 4.625%
HK$32,623
+HK$1,872/mo
Deposit HK$6.35M · loan HK$6.35M · min. income ≈ HK$61,502/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$475,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,192
−HK$1,739/mo
▼ 0.25% · 3.875%
HK$33,055
−HK$876/mo
Today · 4.125%
HK$33,931
baseline
▲ 0.50% · 4.625%
HK$35,720
+HK$1,789/mo
Deposit HK$6.35M · loan HK$6.35M · min. income ≈ HK$67,862/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$475,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,724
−HK$2,178/mo
▼ 0.25% · 3.875%
HK$35,804
−HK$1,098/mo
Today · 4.125%
HK$36,902
baseline
▲ 0.50% · 4.625%
HK$39,147
+HK$2,245/mo
Deposit HK$5.08M · loan HK$7.61M · min. income ≈ HK$73,804/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$475,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,630
−HK$2,087/mo
▼ 0.25% · 3.875%
HK$39,666
−HK$1,051/mo
Today · 4.125%
HK$40,717
baseline
▲ 0.50% · 4.625%
HK$42,864
+HK$2,147/mo
Deposit HK$5.08M · loan HK$7.61M · min. income ≈ HK$81,434/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$475,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,512
−HK$2,540/mo
▼ 0.25% · 3.875%
HK$41,772
−HK$1,280/mo
Today · 4.125%
HK$43,052
baseline
▲ 0.50% · 4.625%
HK$45,672
+HK$2,620/mo
Deposit HK$3.81M · loan HK$8.88M · min. income ≈ HK$86,104/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,069
−HK$2,435/mo
▼ 0.25% · 3.875%
HK$46,277
−HK$1,227/mo
Today · 4.125%
HK$47,504
baseline
▲ 0.50% · 4.625%
HK$50,008
+HK$2,504/mo
Deposit HK$3.81M · loan HK$8.88M · min. income ≈ HK$95,008/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,086
−HK$3,266/mo
▼ 0.25% · 3.875%
HK$53,706
−HK$1,646/mo
Today · 4.125%
HK$55,352
baseline
▲ 0.50% · 4.625%
HK$58,721
+HK$3,369/mo
Deposit HK$1.27M · loan HK$11.42M · min. income ≈ HK$110,704/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$475,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,945
−HK$3,131/mo
▼ 0.25% · 3.875%
HK$59,499
−HK$1,577/mo
Today · 4.125%
HK$61,076
baseline
▲ 0.50% · 4.625%
HK$64,295
+HK$3,219/mo
Deposit HK$1.27M · loan HK$11.42M · min. income ≈ HK$122,152/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$475,881 · Scale 2, in force from 26 Feb 2026)