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$28,948
−HK$1,815/mo
▼ 0.25% · 3.875%
HK$29,849
−HK$914/mo
Today · 4.125%
HK$30,763
baseline
▲ 0.50% · 4.625%
HK$32,635
+HK$1,872/mo
Deposit HK$6.35M · loan HK$6.35M · min. income ≈ HK$61,526/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$476,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,204
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$33,068
−HK$876/mo
Today · 4.125%
HK$33,944
baseline
▲ 0.50% · 4.625%
HK$35,734
+HK$1,790/mo
Deposit HK$6.35M · loan HK$6.35M · min. income ≈ HK$67,888/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$476,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,738
−HK$2,178/mo
▼ 0.25% · 3.875%
HK$35,818
−HK$1,098/mo
Today · 4.125%
HK$36,916
baseline
▲ 0.50% · 4.625%
HK$39,162
+HK$2,246/mo
Deposit HK$5.08M · loan HK$7.62M · min. income ≈ HK$73,832/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$476,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,645
−HK$2,088/mo
▼ 0.25% · 3.875%
HK$39,682
−HK$1,051/mo
Today · 4.125%
HK$40,733
baseline
▲ 0.50% · 4.625%
HK$42,880
+HK$2,147/mo
Deposit HK$5.08M · loan HK$7.62M · min. income ≈ HK$81,466/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$476,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,527
−HK$2,542/mo
▼ 0.25% · 3.875%
HK$41,788
−HK$1,281/mo
Today · 4.125%
HK$43,069
baseline
▲ 0.50% · 4.625%
HK$45,689
+HK$2,620/mo
Deposit HK$3.81M · loan HK$8.89M · min. income ≈ HK$86,138/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$476,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,086
−HK$2,436/mo
▼ 0.25% · 3.875%
HK$46,295
−HK$1,227/mo
Today · 4.125%
HK$47,522
baseline
▲ 0.50% · 4.625%
HK$50,027
+HK$2,505/mo
Deposit HK$3.81M · loan HK$8.89M · min. income ≈ HK$95,044/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$476,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,107
−HK$3,267/mo
▼ 0.25% · 3.875%
HK$53,727
−HK$1,647/mo
Today · 4.125%
HK$55,374
baseline
▲ 0.50% · 4.625%
HK$58,743
+HK$3,369/mo
Deposit HK$1.27M · loan HK$11.43M · min. income ≈ HK$110,748/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$476,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,968
−HK$3,132/mo
▼ 0.25% · 3.875%
HK$59,523
−HK$1,577/mo
Today · 4.125%
HK$61,100
baseline
▲ 0.50% · 4.625%
HK$64,321
+HK$3,221/mo
Deposit HK$1.27M · loan HK$11.43M · min. income ≈ HK$122,200/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$476,067 · Scale 2, in force from 26 Feb 2026)