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$28,790
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$29,685
−HK$910/mo
Today · 4.125%
HK$30,595
baseline
▲ 0.50% · 4.625%
HK$32,457
+HK$1,862/mo
Deposit HK$6.31M · loan HK$6.31M · min. income ≈ HK$61,190/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$473,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,028
−HK$1,731/mo
▼ 0.25% · 3.875%
HK$32,887
−HK$872/mo
Today · 4.125%
HK$33,759
baseline
▲ 0.50% · 4.625%
HK$35,538
+HK$1,779/mo
Deposit HK$6.31M · loan HK$6.31M · min. income ≈ HK$67,518/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$473,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,548
−HK$2,166/mo
▼ 0.25% · 3.875%
HK$35,622
−HK$1,092/mo
Today · 4.125%
HK$36,714
baseline
▲ 0.50% · 4.625%
HK$38,948
+HK$2,234/mo
Deposit HK$5.05M · loan HK$7.58M · min. income ≈ HK$73,428/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$473,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,434
−HK$2,077/mo
▼ 0.25% · 3.875%
HK$39,465
−HK$1,046/mo
Today · 4.125%
HK$40,511
baseline
▲ 0.50% · 4.625%
HK$42,646
+HK$2,135/mo
Deposit HK$5.05M · loan HK$7.58M · min. income ≈ HK$81,022/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$473,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,306
−HK$2,527/mo
▼ 0.25% · 3.875%
HK$41,560
−HK$1,273/mo
Today · 4.125%
HK$42,833
baseline
▲ 0.50% · 4.625%
HK$45,440
+HK$2,607/mo
Deposit HK$3.79M · loan HK$8.84M · min. income ≈ HK$85,666/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$473,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,840
−HK$2,422/mo
▼ 0.25% · 3.875%
HK$46,042
−HK$1,220/mo
Today · 4.125%
HK$47,262
baseline
▲ 0.50% · 4.625%
HK$49,754
+HK$2,492/mo
Deposit HK$3.79M · loan HK$8.84M · min. income ≈ HK$94,524/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$473,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,822
−HK$3,249/mo
▼ 0.25% · 3.875%
HK$53,434
−HK$1,637/mo
Today · 4.125%
HK$55,071
baseline
▲ 0.50% · 4.625%
HK$58,422
+HK$3,351/mo
Deposit HK$1.26M · loan HK$11.36M · min. income ≈ HK$110,142/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$473,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,651
−HK$3,115/mo
▼ 0.25% · 3.875%
HK$59,197
−HK$1,569/mo
Today · 4.125%
HK$60,766
baseline
▲ 0.50% · 4.625%
HK$63,969
+HK$3,203/mo
Deposit HK$1.26M · loan HK$11.36M · min. income ≈ HK$121,532/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$473,465 · Scale 2, in force from 26 Feb 2026)