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$28,941
−HK$1,815/mo
▼ 0.25% · 3.875%
HK$29,842
−HK$914/mo
Today · 4.125%
HK$30,756
baseline
▲ 0.50% · 4.625%
HK$32,628
+HK$1,872/mo
Deposit HK$6.35M · loan HK$6.35M · min. income ≈ HK$61,512/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$475,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,197
−HK$1,739/mo
▼ 0.25% · 3.875%
HK$33,060
−HK$876/mo
Today · 4.125%
HK$33,936
baseline
▲ 0.50% · 4.625%
HK$35,725
+HK$1,789/mo
Deposit HK$6.35M · loan HK$6.35M · min. income ≈ HK$67,872/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$475,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,730
−HK$2,177/mo
▼ 0.25% · 3.875%
HK$35,810
−HK$1,097/mo
Today · 4.125%
HK$36,907
baseline
▲ 0.50% · 4.625%
HK$39,153
+HK$2,246/mo
Deposit HK$5.08M · loan HK$7.62M · min. income ≈ HK$73,814/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$475,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,636
−HK$2,088/mo
▼ 0.25% · 3.875%
HK$39,673
−HK$1,051/mo
Today · 4.125%
HK$40,724
baseline
▲ 0.50% · 4.625%
HK$42,870
+HK$2,146/mo
Deposit HK$5.08M · loan HK$7.62M · min. income ≈ HK$81,448/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$475,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,518
−HK$2,541/mo
▼ 0.25% · 3.875%
HK$41,778
−HK$1,281/mo
Today · 4.125%
HK$43,059
baseline
▲ 0.50% · 4.625%
HK$45,679
+HK$2,620/mo
Deposit HK$3.81M · loan HK$8.88M · min. income ≈ HK$86,118/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,076
−HK$2,435/mo
▼ 0.25% · 3.875%
HK$46,285
−HK$1,226/mo
Today · 4.125%
HK$47,511
baseline
▲ 0.50% · 4.625%
HK$50,015
+HK$2,504/mo
Deposit HK$3.81M · loan HK$8.88M · min. income ≈ HK$95,022/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,094
−HK$3,267/mo
▼ 0.25% · 3.875%
HK$53,715
−HK$1,646/mo
Today · 4.125%
HK$55,361
baseline
▲ 0.50% · 4.625%
HK$58,730
+HK$3,369/mo
Deposit HK$1.27M · loan HK$11.42M · min. income ≈ HK$110,722/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$475,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,954
−HK$3,132/mo
▼ 0.25% · 3.875%
HK$59,509
−HK$1,577/mo
Today · 4.125%
HK$61,086
baseline
▲ 0.50% · 4.625%
HK$64,305
+HK$3,219/mo
Deposit HK$1.27M · loan HK$11.42M · min. income ≈ HK$122,172/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$475,956 · Scale 2, in force from 26 Feb 2026)