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$28,830
−HK$1,808/mo
▼ 0.25% · 3.875%
HK$29,727
−HK$911/mo
Today · 4.125%
HK$30,638
baseline
▲ 0.50% · 4.625%
HK$32,502
+HK$1,864/mo
Deposit HK$6.32M · loan HK$6.32M · min. income ≈ HK$61,276/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$474,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,073
−HK$1,733/mo
▼ 0.25% · 3.875%
HK$32,934
−HK$872/mo
Today · 4.125%
HK$33,806
baseline
▲ 0.50% · 4.625%
HK$35,588
+HK$1,782/mo
Deposit HK$6.32M · loan HK$6.32M · min. income ≈ HK$67,612/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$474,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,596
−HK$2,170/mo
▼ 0.25% · 3.875%
HK$35,672
−HK$1,094/mo
Today · 4.125%
HK$36,766
baseline
▲ 0.50% · 4.625%
HK$39,003
+HK$2,237/mo
Deposit HK$5.06M · loan HK$7.59M · min. income ≈ HK$73,532/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$474,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,488
−HK$2,079/mo
▼ 0.25% · 3.875%
HK$39,520
−HK$1,047/mo
Today · 4.125%
HK$40,567
baseline
▲ 0.50% · 4.625%
HK$42,706
+HK$2,139/mo
Deposit HK$5.06M · loan HK$7.59M · min. income ≈ HK$81,134/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$474,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,362
−HK$2,531/mo
▼ 0.25% · 3.875%
HK$41,618
−HK$1,275/mo
Today · 4.125%
HK$42,893
baseline
▲ 0.50% · 4.625%
HK$45,503
+HK$2,610/mo
Deposit HK$3.79M · loan HK$8.85M · min. income ≈ HK$85,786/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$474,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,903
−HK$2,426/mo
▼ 0.25% · 3.875%
HK$46,107
−HK$1,222/mo
Today · 4.125%
HK$47,329
baseline
▲ 0.50% · 4.625%
HK$49,823
+HK$2,494/mo
Deposit HK$3.79M · loan HK$8.85M · min. income ≈ HK$94,658/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$474,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,894
−HK$3,255/mo
▼ 0.25% · 3.875%
HK$53,509
−HK$1,640/mo
Today · 4.125%
HK$55,149
baseline
▲ 0.50% · 4.625%
HK$58,504
+HK$3,355/mo
Deposit HK$1.26M · loan HK$11.38M · min. income ≈ HK$110,298/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$474,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,732
−HK$3,119/mo
▼ 0.25% · 3.875%
HK$59,280
−HK$1,571/mo
Today · 4.125%
HK$60,851
baseline
▲ 0.50% · 4.625%
HK$64,059
+HK$3,208/mo
Deposit HK$1.26M · loan HK$11.38M · min. income ≈ HK$121,702/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$474,129 · Scale 2, in force from 26 Feb 2026)