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$28,772
−HK$1,804/mo
▼ 0.25% · 3.875%
HK$29,667
−HK$909/mo
Today · 4.125%
HK$30,576
baseline
▲ 0.50% · 4.625%
HK$32,436
+HK$1,860/mo
Deposit HK$6.31M · loan HK$6.31M · min. income ≈ HK$61,152/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$473,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,008
−HK$1,730/mo
▼ 0.25% · 3.875%
HK$32,867
−HK$871/mo
Today · 4.125%
HK$33,738
baseline
▲ 0.50% · 4.625%
HK$35,516
+HK$1,778/mo
Deposit HK$6.31M · loan HK$6.31M · min. income ≈ HK$67,476/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$473,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,526
−HK$2,165/mo
▼ 0.25% · 3.875%
HK$35,600
−HK$1,091/mo
Today · 4.125%
HK$36,691
baseline
▲ 0.50% · 4.625%
HK$38,924
+HK$2,233/mo
Deposit HK$5.05M · loan HK$7.57M · min. income ≈ HK$73,382/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$473,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,410
−HK$2,075/mo
▼ 0.25% · 3.875%
HK$39,440
−HK$1,045/mo
Today · 4.125%
HK$40,485
baseline
▲ 0.50% · 4.625%
HK$42,619
+HK$2,134/mo
Deposit HK$5.05M · loan HK$7.57M · min. income ≈ HK$80,970/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$473,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,280
−HK$2,526/mo
▼ 0.25% · 3.875%
HK$41,533
−HK$1,273/mo
Today · 4.125%
HK$42,806
baseline
▲ 0.50% · 4.625%
HK$45,411
+HK$2,605/mo
Deposit HK$3.79M · loan HK$8.83M · min. income ≈ HK$85,612/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$473,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,811
−HK$2,422/mo
▼ 0.25% · 3.875%
HK$46,013
−HK$1,220/mo
Today · 4.125%
HK$47,233
baseline
▲ 0.50% · 4.625%
HK$49,722
+HK$2,489/mo
Deposit HK$3.79M · loan HK$8.83M · min. income ≈ HK$94,466/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$473,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,789
−HK$3,248/mo
▼ 0.25% · 3.875%
HK$53,400
−HK$1,637/mo
Today · 4.125%
HK$55,037
baseline
▲ 0.50% · 4.625%
HK$58,385
+HK$3,348/mo
Deposit HK$1.26M · loan HK$11.36M · min. income ≈ HK$110,074/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$473,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,615
−HK$3,113/mo
▼ 0.25% · 3.875%
HK$59,160
−HK$1,568/mo
Today · 4.125%
HK$60,728
baseline
▲ 0.50% · 4.625%
HK$63,929
+HK$3,201/mo
Deposit HK$1.26M · loan HK$11.36M · min. income ≈ HK$121,456/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$473,166 · Scale 2, in force from 26 Feb 2026)