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$28,976
−HK$1,817/mo
▼ 0.25% · 3.875%
HK$29,877
−HK$916/mo
Today · 4.125%
HK$30,793
baseline
▲ 0.50% · 4.625%
HK$32,666
+HK$1,873/mo
Deposit HK$6.35M · loan HK$6.35M · min. income ≈ HK$61,586/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$476,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,235
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$33,100
−HK$877/mo
Today · 4.125%
HK$33,977
baseline
▲ 0.50% · 4.625%
HK$35,768
+HK$1,791/mo
Deposit HK$6.35M · loan HK$6.35M · min. income ≈ HK$67,954/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$476,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,771
−HK$2,180/mo
▼ 0.25% · 3.875%
HK$35,852
−HK$1,099/mo
Today · 4.125%
HK$36,951
baseline
▲ 0.50% · 4.625%
HK$39,200
+HK$2,249/mo
Deposit HK$5.08M · loan HK$7.62M · min. income ≈ HK$73,902/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$476,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,682
−HK$2,090/mo
▼ 0.25% · 3.875%
HK$39,720
−HK$1,052/mo
Today · 4.125%
HK$40,772
baseline
▲ 0.50% · 4.625%
HK$42,921
+HK$2,149/mo
Deposit HK$5.08M · loan HK$7.62M · min. income ≈ HK$81,544/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$476,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,566
−HK$2,544/mo
▼ 0.25% · 3.875%
HK$41,828
−HK$1,282/mo
Today · 4.125%
HK$43,110
baseline
▲ 0.50% · 4.625%
HK$45,733
+HK$2,623/mo
Deposit HK$3.81M · loan HK$8.90M · min. income ≈ HK$86,220/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$476,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,129
−HK$2,438/mo
▼ 0.25% · 3.875%
HK$46,339
−HK$1,228/mo
Today · 4.125%
HK$47,567
baseline
▲ 0.50% · 4.625%
HK$50,075
+HK$2,508/mo
Deposit HK$3.81M · loan HK$8.90M · min. income ≈ HK$95,134/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$476,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,156
−HK$3,271/mo
▼ 0.25% · 3.875%
HK$53,778
−HK$1,649/mo
Today · 4.125%
HK$55,427
baseline
▲ 0.50% · 4.625%
HK$58,799
+HK$3,372/mo
Deposit HK$1.27M · loan HK$11.44M · min. income ≈ HK$110,854/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$476,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,023
−HK$3,135/mo
▼ 0.25% · 3.875%
HK$59,579
−HK$1,579/mo
Today · 4.125%
HK$61,158
baseline
▲ 0.50% · 4.625%
HK$64,382
+HK$3,224/mo
Deposit HK$1.27M · loan HK$11.44M · min. income ≈ HK$122,316/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$476,520 · Scale 2, in force from 26 Feb 2026)