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$28,947
−HK$1,815/mo
▼ 0.25% · 3.875%
HK$29,847
−HK$915/mo
Today · 4.125%
HK$30,762
baseline
▲ 0.50% · 4.625%
HK$32,634
+HK$1,872/mo
Deposit HK$6.35M · loan HK$6.35M · min. income ≈ HK$61,524/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$476,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,203
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$33,067
−HK$876/mo
Today · 4.125%
HK$33,943
baseline
▲ 0.50% · 4.625%
HK$35,732
+HK$1,789/mo
Deposit HK$6.35M · loan HK$6.35M · min. income ≈ HK$67,886/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$476,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,736
−HK$2,178/mo
▼ 0.25% · 3.875%
HK$35,817
−HK$1,097/mo
Today · 4.125%
HK$36,914
baseline
▲ 0.50% · 4.625%
HK$39,160
+HK$2,246/mo
Deposit HK$5.08M · loan HK$7.62M · min. income ≈ HK$73,828/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$476,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,644
−HK$2,087/mo
▼ 0.25% · 3.875%
HK$39,680
−HK$1,051/mo
Today · 4.125%
HK$40,731
baseline
▲ 0.50% · 4.625%
HK$42,878
+HK$2,147/mo
Deposit HK$5.08M · loan HK$7.62M · min. income ≈ HK$81,462/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$476,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,525
−HK$2,542/mo
▼ 0.25% · 3.875%
HK$41,786
−HK$1,281/mo
Today · 4.125%
HK$43,067
baseline
▲ 0.50% · 4.625%
HK$45,687
+HK$2,620/mo
Deposit HK$3.81M · loan HK$8.89M · min. income ≈ HK$86,134/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$476,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,084
−HK$2,436/mo
▼ 0.25% · 3.875%
HK$46,293
−HK$1,227/mo
Today · 4.125%
HK$47,520
baseline
▲ 0.50% · 4.625%
HK$50,025
+HK$2,505/mo
Deposit HK$3.81M · loan HK$8.89M · min. income ≈ HK$95,040/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$476,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,104
−HK$3,267/mo
▼ 0.25% · 3.875%
HK$53,725
−HK$1,646/mo
Today · 4.125%
HK$55,371
baseline
▲ 0.50% · 4.625%
HK$58,741
+HK$3,370/mo
Deposit HK$1.27M · loan HK$11.43M · min. income ≈ HK$110,742/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$476,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,965
−HK$3,132/mo
▼ 0.25% · 3.875%
HK$59,520
−HK$1,577/mo
Today · 4.125%
HK$61,097
baseline
▲ 0.50% · 4.625%
HK$64,317
+HK$3,220/mo
Deposit HK$1.27M · loan HK$11.43M · min. income ≈ HK$122,194/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$476,044 · Scale 2, in force from 26 Feb 2026)