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$28,917
−HK$1,813/mo
▼ 0.25% · 3.875%
HK$29,817
−HK$913/mo
Today · 4.125%
HK$30,730
baseline
▲ 0.50% · 4.625%
HK$32,600
+HK$1,870/mo
Deposit HK$6.34M · loan HK$6.34M · min. income ≈ HK$61,460/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$475,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,170
−HK$1,738/mo
▼ 0.25% · 3.875%
HK$33,033
−HK$875/mo
Today · 4.125%
HK$33,908
baseline
▲ 0.50% · 4.625%
HK$35,695
+HK$1,787/mo
Deposit HK$6.34M · loan HK$6.34M · min. income ≈ HK$67,816/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$475,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,701
−HK$2,176/mo
▼ 0.25% · 3.875%
HK$35,780
−HK$1,097/mo
Today · 4.125%
HK$36,877
baseline
▲ 0.50% · 4.625%
HK$39,120
+HK$2,243/mo
Deposit HK$5.07M · loan HK$7.61M · min. income ≈ HK$73,754/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$475,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,604
−HK$2,086/mo
▼ 0.25% · 3.875%
HK$39,639
−HK$1,051/mo
Today · 4.125%
HK$40,690
baseline
▲ 0.50% · 4.625%
HK$42,834
+HK$2,144/mo
Deposit HK$5.07M · loan HK$7.61M · min. income ≈ HK$81,380/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$475,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,484
−HK$2,539/mo
▼ 0.25% · 3.875%
HK$41,743
−HK$1,280/mo
Today · 4.125%
HK$43,023
baseline
▲ 0.50% · 4.625%
HK$45,640
+HK$2,617/mo
Deposit HK$3.80M · loan HK$8.88M · min. income ≈ HK$86,046/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,038
−HK$2,433/mo
▼ 0.25% · 3.875%
HK$46,246
−HK$1,225/mo
Today · 4.125%
HK$47,471
baseline
▲ 0.50% · 4.625%
HK$49,974
+HK$2,503/mo
Deposit HK$3.80M · loan HK$8.88M · min. income ≈ HK$94,942/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,051
−HK$3,264/mo
▼ 0.25% · 3.875%
HK$53,670
−HK$1,645/mo
Today · 4.125%
HK$55,315
baseline
▲ 0.50% · 4.625%
HK$58,681
+HK$3,366/mo
Deposit HK$1.27M · loan HK$11.41M · min. income ≈ HK$110,630/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$475,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,906
−HK$3,128/mo
▼ 0.25% · 3.875%
HK$59,459
−HK$1,575/mo
Today · 4.125%
HK$61,034
baseline
▲ 0.50% · 4.625%
HK$64,252
+HK$3,218/mo
Deposit HK$1.27M · loan HK$11.41M · min. income ≈ HK$122,068/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$475,557 · Scale 2, in force from 26 Feb 2026)