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$28,878
−HK$1,811/mo
▼ 0.25% · 3.875%
HK$29,776
−HK$913/mo
Today · 4.125%
HK$30,689
baseline
▲ 0.50% · 4.625%
HK$32,556
+HK$1,867/mo
Deposit HK$6.33M · loan HK$6.33M · min. income ≈ HK$61,378/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$474,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,127
−HK$1,735/mo
▼ 0.25% · 3.875%
HK$32,988
−HK$874/mo
Today · 4.125%
HK$33,862
baseline
▲ 0.50% · 4.625%
HK$35,647
+HK$1,785/mo
Deposit HK$6.33M · loan HK$6.33M · min. income ≈ HK$67,724/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$474,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,654
−HK$2,173/mo
▼ 0.25% · 3.875%
HK$35,732
−HK$1,095/mo
Today · 4.125%
HK$36,827
baseline
▲ 0.50% · 4.625%
HK$39,068
+HK$2,241/mo
Deposit HK$5.07M · loan HK$7.60M · min. income ≈ HK$73,654/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$474,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,552
−HK$2,083/mo
▼ 0.25% · 3.875%
HK$39,586
−HK$1,049/mo
Today · 4.125%
HK$40,635
baseline
▲ 0.50% · 4.625%
HK$42,777
+HK$2,142/mo
Deposit HK$5.07M · loan HK$7.60M · min. income ≈ HK$81,270/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$474,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,429
−HK$2,536/mo
▼ 0.25% · 3.875%
HK$41,687
−HK$1,278/mo
Today · 4.125%
HK$42,965
baseline
▲ 0.50% · 4.625%
HK$45,579
+HK$2,614/mo
Deposit HK$3.80M · loan HK$8.87M · min. income ≈ HK$85,930/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$474,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,977
−HK$2,430/mo
▼ 0.25% · 3.875%
HK$46,184
−HK$1,223/mo
Today · 4.125%
HK$47,407
baseline
▲ 0.50% · 4.625%
HK$49,906
+HK$2,499/mo
Deposit HK$3.80M · loan HK$8.87M · min. income ≈ HK$94,814/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$474,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,981
−HK$3,259/mo
▼ 0.25% · 3.875%
HK$53,598
−HK$1,642/mo
Today · 4.125%
HK$55,240
baseline
▲ 0.50% · 4.625%
HK$58,602
+HK$3,362/mo
Deposit HK$1.27M · loan HK$11.40M · min. income ≈ HK$110,480/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$474,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,828
−HK$3,124/mo
▼ 0.25% · 3.875%
HK$59,379
−HK$1,573/mo
Today · 4.125%
HK$60,952
baseline
▲ 0.50% · 4.625%
HK$64,165
+HK$3,213/mo
Deposit HK$1.27M · loan HK$11.40M · min. income ≈ HK$121,904/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$474,917 · Scale 2, in force from 26 Feb 2026)