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$28,942
−HK$1,815/mo
▼ 0.25% · 3.875%
HK$29,842
−HK$915/mo
Today · 4.125%
HK$30,757
baseline
▲ 0.50% · 4.625%
HK$32,628
+HK$1,871/mo
Deposit HK$6.35M · loan HK$6.35M · min. income ≈ HK$61,514/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$475,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,198
−HK$1,739/mo
▼ 0.25% · 3.875%
HK$33,061
−HK$876/mo
Today · 4.125%
HK$33,937
baseline
▲ 0.50% · 4.625%
HK$35,726
+HK$1,789/mo
Deposit HK$6.35M · loan HK$6.35M · min. income ≈ HK$67,874/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$475,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,730
−HK$2,178/mo
▼ 0.25% · 3.875%
HK$35,811
−HK$1,097/mo
Today · 4.125%
HK$36,908
baseline
▲ 0.50% · 4.625%
HK$39,154
+HK$2,246/mo
Deposit HK$5.08M · loan HK$7.62M · min. income ≈ HK$73,816/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$475,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,637
−HK$2,088/mo
▼ 0.25% · 3.875%
HK$39,674
−HK$1,051/mo
Today · 4.125%
HK$40,725
baseline
▲ 0.50% · 4.625%
HK$42,871
+HK$2,146/mo
Deposit HK$5.08M · loan HK$7.62M · min. income ≈ HK$81,450/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$475,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,519
−HK$2,541/mo
▼ 0.25% · 3.875%
HK$41,779
−HK$1,281/mo
Today · 4.125%
HK$43,060
baseline
▲ 0.50% · 4.625%
HK$45,680
+HK$2,620/mo
Deposit HK$3.81M · loan HK$8.88M · min. income ≈ HK$86,120/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,077
−HK$2,435/mo
▼ 0.25% · 3.875%
HK$46,286
−HK$1,226/mo
Today · 4.125%
HK$47,512
baseline
▲ 0.50% · 4.625%
HK$50,017
+HK$2,505/mo
Deposit HK$3.81M · loan HK$8.88M · min. income ≈ HK$95,024/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,096
−HK$3,267/mo
▼ 0.25% · 3.875%
HK$53,716
−HK$1,647/mo
Today · 4.125%
HK$55,363
baseline
▲ 0.50% · 4.625%
HK$58,731
+HK$3,368/mo
Deposit HK$1.27M · loan HK$11.42M · min. income ≈ HK$110,726/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$475,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,956
−HK$3,131/mo
▼ 0.25% · 3.875%
HK$59,510
−HK$1,577/mo
Today · 4.125%
HK$61,087
baseline
▲ 0.50% · 4.625%
HK$64,307
+HK$3,220/mo
Deposit HK$1.27M · loan HK$11.42M · min. income ≈ HK$122,174/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$475,968 · Scale 2, in force from 26 Feb 2026)