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$28,771
−HK$1,804/mo
▼ 0.25% · 3.875%
HK$29,666
−HK$909/mo
Today · 4.125%
HK$30,575
baseline
▲ 0.50% · 4.625%
HK$32,435
+HK$1,860/mo
Deposit HK$6.31M · loan HK$6.31M · min. income ≈ HK$61,150/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$473,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,007
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$32,866
−HK$870/mo
Today · 4.125%
HK$33,736
baseline
▲ 0.50% · 4.625%
HK$35,515
+HK$1,779/mo
Deposit HK$6.31M · loan HK$6.31M · min. income ≈ HK$67,472/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$473,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,525
−HK$2,165/mo
▼ 0.25% · 3.875%
HK$35,599
−HK$1,091/mo
Today · 4.125%
HK$36,690
baseline
▲ 0.50% · 4.625%
HK$38,922
+HK$2,232/mo
Deposit HK$5.05M · loan HK$7.57M · min. income ≈ HK$73,380/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$473,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,409
−HK$2,075/mo
▼ 0.25% · 3.875%
HK$39,439
−HK$1,045/mo
Today · 4.125%
HK$40,484
baseline
▲ 0.50% · 4.625%
HK$42,618
+HK$2,134/mo
Deposit HK$5.05M · loan HK$7.57M · min. income ≈ HK$80,968/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$473,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,279
−HK$2,526/mo
▼ 0.25% · 3.875%
HK$41,532
−HK$1,273/mo
Today · 4.125%
HK$42,805
baseline
▲ 0.50% · 4.625%
HK$45,410
+HK$2,605/mo
Deposit HK$3.79M · loan HK$8.83M · min. income ≈ HK$85,610/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$473,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,810
−HK$2,421/mo
▼ 0.25% · 3.875%
HK$46,012
−HK$1,219/mo
Today · 4.125%
HK$47,231
baseline
▲ 0.50% · 4.625%
HK$49,721
+HK$2,490/mo
Deposit HK$3.79M · loan HK$8.83M · min. income ≈ HK$94,462/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$473,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,787
−HK$3,248/mo
▼ 0.25% · 3.875%
HK$53,398
−HK$1,637/mo
Today · 4.125%
HK$55,035
baseline
▲ 0.50% · 4.625%
HK$58,384
+HK$3,349/mo
Deposit HK$1.26M · loan HK$11.36M · min. income ≈ HK$110,070/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$473,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,613
−HK$3,113/mo
▼ 0.25% · 3.875%
HK$59,158
−HK$1,568/mo
Today · 4.125%
HK$60,726
baseline
▲ 0.50% · 4.625%
HK$63,927
+HK$3,201/mo
Deposit HK$1.26M · loan HK$11.36M · min. income ≈ HK$121,452/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$473,151 · Scale 2, in force from 26 Feb 2026)