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$28,856
−HK$1,809/mo
▼ 0.25% · 3.875%
HK$29,753
−HK$912/mo
Today · 4.125%
HK$30,665
baseline
▲ 0.50% · 4.625%
HK$32,531
+HK$1,866/mo
Deposit HK$6.33M · loan HK$6.33M · min. income ≈ HK$61,330/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$474,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,102
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$32,963
−HK$873/mo
Today · 4.125%
HK$33,836
baseline
▲ 0.50% · 4.625%
HK$35,620
+HK$1,784/mo
Deposit HK$6.33M · loan HK$6.33M · min. income ≈ HK$67,672/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$474,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,627
−HK$2,171/mo
▼ 0.25% · 3.875%
HK$35,704
−HK$1,094/mo
Today · 4.125%
HK$36,798
baseline
▲ 0.50% · 4.625%
HK$39,037
+HK$2,239/mo
Deposit HK$5.06M · loan HK$7.59M · min. income ≈ HK$73,596/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$474,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,522
−HK$2,081/mo
▼ 0.25% · 3.875%
HK$39,555
−HK$1,048/mo
Today · 4.125%
HK$40,603
baseline
▲ 0.50% · 4.625%
HK$42,744
+HK$2,141/mo
Deposit HK$5.06M · loan HK$7.59M · min. income ≈ HK$81,206/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$474,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,398
−HK$2,533/mo
▼ 0.25% · 3.875%
HK$41,655
−HK$1,276/mo
Today · 4.125%
HK$42,931
baseline
▲ 0.50% · 4.625%
HK$45,544
+HK$2,613/mo
Deposit HK$3.80M · loan HK$8.86M · min. income ≈ HK$85,862/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$474,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,943
−HK$2,428/mo
▼ 0.25% · 3.875%
HK$46,148
−HK$1,223/mo
Today · 4.125%
HK$47,371
baseline
▲ 0.50% · 4.625%
HK$49,868
+HK$2,497/mo
Deposit HK$3.80M · loan HK$8.86M · min. income ≈ HK$94,742/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$474,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,940
−HK$3,258/mo
▼ 0.25% · 3.875%
HK$53,556
−HK$1,642/mo
Today · 4.125%
HK$55,198
baseline
▲ 0.50% · 4.625%
HK$58,556
+HK$3,358/mo
Deposit HK$1.27M · loan HK$11.39M · min. income ≈ HK$110,396/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$474,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,783
−HK$3,122/mo
▼ 0.25% · 3.875%
HK$59,333
−HK$1,572/mo
Today · 4.125%
HK$60,905
baseline
▲ 0.50% · 4.625%
HK$64,115
+HK$3,210/mo
Deposit HK$1.27M · loan HK$11.39M · min. income ≈ HK$121,810/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$474,549 · Scale 2, in force from 26 Feb 2026)