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$1,810/mo
▼ 0.25% · 3.875%
HK$29,767
−HK$912/mo
Today · 4.125%
HK$30,679
baseline
▲ 0.50% · 4.625%
HK$32,546
+HK$1,867/mo
Deposit HK$6.33M · loan HK$6.33M · min. income ≈ HK$61,358/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$474,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,116
−HK$1,735/mo
▼ 0.25% · 3.875%
HK$32,978
−HK$873/mo
Today · 4.125%
HK$33,851
baseline
▲ 0.50% · 4.625%
HK$35,636
+HK$1,785/mo
Deposit HK$6.33M · loan HK$6.33M · min. income ≈ HK$67,702/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$474,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,642
−HK$2,173/mo
▼ 0.25% · 3.875%
HK$35,720
−HK$1,095/mo
Today · 4.125%
HK$36,815
baseline
▲ 0.50% · 4.625%
HK$39,055
+HK$2,240/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$474,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,539
−HK$2,083/mo
▼ 0.25% · 3.875%
HK$39,573
−HK$1,049/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$474,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,416
−HK$2,535/mo
▼ 0.25% · 3.875%
HK$41,673
−HK$1,278/mo
Today · 4.125%
HK$42,951
baseline
▲ 0.50% · 4.625%
HK$45,564
+HK$2,613/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$474,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,963
−HK$2,429/mo
▼ 0.25% · 3.875%
HK$46,169
−HK$1,223/mo
Today · 4.125%
HK$47,392
baseline
▲ 0.50% · 4.625%
HK$49,890
+HK$2,498/mo
Deposit HK$3.80M · loan HK$8.86M · min. income ≈ HK$94,784/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$474,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,964
−HK$3,258/mo
▼ 0.25% · 3.875%
HK$53,580
−HK$1,642/mo
Today · 4.125%
HK$55,222
baseline
▲ 0.50% · 4.625%
HK$58,582
+HK$3,360/mo
Deposit HK$1.27M · loan HK$11.39M · min. income ≈ HK$110,444/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$474,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,809
−HK$3,123/mo
▼ 0.25% · 3.875%
HK$59,360
−HK$1,572/mo
Today · 4.125%
HK$60,932
baseline
▲ 0.50% · 4.625%
HK$64,144
+HK$3,212/mo
Deposit HK$1.27M · loan HK$11.39M · min. income ≈ HK$121,864/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$474,762 · Scale 2, in force from 26 Feb 2026)