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$28,869
−HK$1,811/mo
▼ 0.25% · 3.875%
HK$29,767
−HK$913/mo
Today · 4.125%
HK$30,680
baseline
▲ 0.50% · 4.625%
HK$32,546
+HK$1,866/mo
Deposit HK$6.33M · loan HK$6.33M · min. income ≈ HK$61,360/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$474,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,117
−HK$1,735/mo
▼ 0.25% · 3.875%
HK$32,978
−HK$874/mo
Today · 4.125%
HK$33,852
baseline
▲ 0.50% · 4.625%
HK$35,636
+HK$1,784/mo
Deposit HK$6.33M · loan HK$6.33M · min. income ≈ HK$67,704/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$474,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,643
−HK$2,172/mo
▼ 0.25% · 3.875%
HK$35,721
−HK$1,094/mo
Today · 4.125%
HK$36,815
baseline
▲ 0.50% · 4.625%
HK$39,056
+HK$2,241/mo
Deposit HK$5.06M · loan HK$7.60M · min. income ≈ HK$73,630/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$474,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,540
−HK$2,082/mo
▼ 0.25% · 3.875%
HK$39,574
−HK$1,048/mo
Today · 4.125%
HK$40,622
baseline
▲ 0.50% · 4.625%
HK$42,763
+HK$2,141/mo
Deposit HK$5.06M · loan HK$7.60M · min. income ≈ HK$81,244/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$474,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,417
−HK$2,534/mo
▼ 0.25% · 3.875%
HK$41,674
−HK$1,277/mo
Today · 4.125%
HK$42,951
baseline
▲ 0.50% · 4.625%
HK$45,565
+HK$2,614/mo
Deposit HK$3.80M · loan HK$8.86M · min. income ≈ HK$85,902/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$474,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,963
−HK$2,430/mo
▼ 0.25% · 3.875%
HK$46,169
−HK$1,224/mo
Today · 4.125%
HK$47,393
baseline
▲ 0.50% · 4.625%
HK$49,891
+HK$2,498/mo
Deposit HK$3.80M · loan HK$8.86M · min. income ≈ HK$94,786/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$474,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,965
−HK$3,258/mo
▼ 0.25% · 3.875%
HK$53,581
−HK$1,642/mo
Today · 4.125%
HK$55,223
baseline
▲ 0.50% · 4.625%
HK$58,583
+HK$3,360/mo
Deposit HK$1.27M · loan HK$11.39M · min. income ≈ HK$110,446/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$474,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,810
−HK$3,123/mo
▼ 0.25% · 3.875%
HK$59,360
−HK$1,573/mo
Today · 4.125%
HK$60,933
baseline
▲ 0.50% · 4.625%
HK$64,145
+HK$3,212/mo
Deposit HK$1.27M · loan HK$11.39M · min. income ≈ HK$121,866/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$474,769 · Scale 2, in force from 26 Feb 2026)