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$28,763
−HK$1,804/mo
▼ 0.25% · 3.875%
HK$29,658
−HK$909/mo
Today · 4.125%
HK$30,567
baseline
▲ 0.50% · 4.625%
HK$32,427
+HK$1,860/mo
Deposit HK$6.31M · loan HK$6.31M · min. income ≈ HK$61,134/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$473,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,999
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$32,857
−HK$871/mo
Today · 4.125%
HK$33,728
baseline
▲ 0.50% · 4.625%
HK$35,506
+HK$1,778/mo
Deposit HK$6.31M · loan HK$6.31M · min. income ≈ HK$67,456/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$473,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,516
−HK$2,165/mo
▼ 0.25% · 3.875%
HK$35,590
−HK$1,091/mo
Today · 4.125%
HK$36,681
baseline
▲ 0.50% · 4.625%
HK$38,912
+HK$2,231/mo
Deposit HK$5.05M · loan HK$7.57M · min. income ≈ HK$73,362/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$473,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,399
−HK$2,074/mo
▼ 0.25% · 3.875%
HK$39,429
−HK$1,044/mo
Today · 4.125%
HK$40,473
baseline
▲ 0.50% · 4.625%
HK$42,607
+HK$2,134/mo
Deposit HK$5.05M · loan HK$7.57M · min. income ≈ HK$80,946/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$473,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,269
−HK$2,525/mo
▼ 0.25% · 3.875%
HK$41,521
−HK$1,273/mo
Today · 4.125%
HK$42,794
baseline
▲ 0.50% · 4.625%
HK$45,398
+HK$2,604/mo
Deposit HK$3.78M · loan HK$8.83M · min. income ≈ HK$85,588/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$473,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,799
−HK$2,420/mo
▼ 0.25% · 3.875%
HK$46,000
−HK$1,219/mo
Today · 4.125%
HK$47,219
baseline
▲ 0.50% · 4.625%
HK$49,708
+HK$2,489/mo
Deposit HK$3.78M · loan HK$8.83M · min. income ≈ HK$94,438/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$473,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,774
−HK$3,247/mo
▼ 0.25% · 3.875%
HK$53,385
−HK$1,636/mo
Today · 4.125%
HK$55,021
baseline
▲ 0.50% · 4.625%
HK$58,369
+HK$3,348/mo
Deposit HK$1.26M · loan HK$11.35M · min. income ≈ HK$110,042/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$473,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,598
−HK$3,112/mo
▼ 0.25% · 3.875%
HK$59,143
−HK$1,567/mo
Today · 4.125%
HK$60,710
baseline
▲ 0.50% · 4.625%
HK$63,910
+HK$3,200/mo
Deposit HK$1.26M · loan HK$11.35M · min. income ≈ HK$121,420/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$473,029 · Scale 2, in force from 26 Feb 2026)