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$28,859
−HK$1,809/mo
▼ 0.25% · 3.875%
HK$29,756
−HK$912/mo
Today · 4.125%
HK$30,668
baseline
▲ 0.50% · 4.625%
HK$32,535
+HK$1,867/mo
Deposit HK$6.33M · loan HK$6.33M · min. income ≈ HK$61,336/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$474,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,105
−HK$1,735/mo
▼ 0.25% · 3.875%
HK$32,966
−HK$874/mo
Today · 4.125%
HK$33,840
baseline
▲ 0.50% · 4.625%
HK$35,623
+HK$1,783/mo
Deposit HK$6.33M · loan HK$6.33M · min. income ≈ HK$67,680/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$474,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,631
−HK$2,171/mo
▼ 0.25% · 3.875%
HK$35,708
−HK$1,094/mo
Today · 4.125%
HK$36,802
baseline
▲ 0.50% · 4.625%
HK$39,041
+HK$2,239/mo
Deposit HK$5.06M · loan HK$7.59M · min. income ≈ HK$73,604/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$474,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,526
−HK$2,082/mo
▼ 0.25% · 3.875%
HK$39,559
−HK$1,049/mo
Today · 4.125%
HK$40,608
baseline
▲ 0.50% · 4.625%
HK$42,748
+HK$2,140/mo
Deposit HK$5.06M · loan HK$7.59M · min. income ≈ HK$81,216/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$474,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,402
−HK$2,534/mo
▼ 0.25% · 3.875%
HK$41,659
−HK$1,277/mo
Today · 4.125%
HK$42,936
baseline
▲ 0.50% · 4.625%
HK$45,548
+HK$2,612/mo
Deposit HK$3.80M · loan HK$8.86M · min. income ≈ HK$85,872/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$474,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,947
−HK$2,428/mo
▼ 0.25% · 3.875%
HK$46,153
−HK$1,222/mo
Today · 4.125%
HK$47,375
baseline
▲ 0.50% · 4.625%
HK$49,873
+HK$2,498/mo
Deposit HK$3.80M · loan HK$8.86M · min. income ≈ HK$94,750/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$474,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,946
−HK$3,257/mo
▼ 0.25% · 3.875%
HK$53,562
−HK$1,641/mo
Today · 4.125%
HK$55,203
baseline
▲ 0.50% · 4.625%
HK$58,562
+HK$3,359/mo
Deposit HK$1.27M · loan HK$11.39M · min. income ≈ HK$110,406/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$474,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,789
−HK$3,122/mo
▼ 0.25% · 3.875%
HK$59,339
−HK$1,572/mo
Today · 4.125%
HK$60,911
baseline
▲ 0.50% · 4.625%
HK$64,122
+HK$3,211/mo
Deposit HK$1.27M · loan HK$11.39M · min. income ≈ HK$121,822/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$474,598 · Scale 2, in force from 26 Feb 2026)