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$28,924
−HK$1,814/mo
▼ 0.25% · 3.875%
HK$29,824
−HK$914/mo
Today · 4.125%
HK$30,738
baseline
▲ 0.50% · 4.625%
HK$32,608
+HK$1,870/mo
Deposit HK$6.34M · loan HK$6.34M · min. income ≈ HK$61,476/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$475,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,178
−HK$1,738/mo
▼ 0.25% · 3.875%
HK$33,041
−HK$875/mo
Today · 4.125%
HK$33,916
baseline
▲ 0.50% · 4.625%
HK$35,704
+HK$1,788/mo
Deposit HK$6.34M · loan HK$6.34M · min. income ≈ HK$67,832/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$475,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,709
−HK$2,176/mo
▼ 0.25% · 3.875%
HK$35,789
−HK$1,096/mo
Today · 4.125%
HK$36,885
baseline
▲ 0.50% · 4.625%
HK$39,130
+HK$2,245/mo
Deposit HK$5.07M · loan HK$7.61M · min. income ≈ HK$73,770/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$475,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,613
−HK$2,086/mo
▼ 0.25% · 3.875%
HK$39,649
−HK$1,050/mo
Today · 4.125%
HK$40,699
baseline
▲ 0.50% · 4.625%
HK$42,845
+HK$2,146/mo
Deposit HK$5.07M · loan HK$7.61M · min. income ≈ HK$81,398/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$475,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,494
−HK$2,539/mo
▼ 0.25% · 3.875%
HK$41,753
−HK$1,280/mo
Today · 4.125%
HK$43,033
baseline
▲ 0.50% · 4.625%
HK$45,651
+HK$2,618/mo
Deposit HK$3.81M · loan HK$8.88M · min. income ≈ HK$86,066/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,049
−HK$2,434/mo
▼ 0.25% · 3.875%
HK$46,257
−HK$1,226/mo
Today · 4.125%
HK$47,483
baseline
▲ 0.50% · 4.625%
HK$49,986
+HK$2,503/mo
Deposit HK$3.81M · loan HK$8.88M · min. income ≈ HK$94,966/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,063
−HK$3,265/mo
▼ 0.25% · 3.875%
HK$53,683
−HK$1,645/mo
Today · 4.125%
HK$55,328
baseline
▲ 0.50% · 4.625%
HK$58,695
+HK$3,367/mo
Deposit HK$1.27M · loan HK$11.42M · min. income ≈ HK$110,656/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$475,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,920
−HK$3,129/mo
▼ 0.25% · 3.875%
HK$59,473
−HK$1,576/mo
Today · 4.125%
HK$61,049
baseline
▲ 0.50% · 4.625%
HK$64,267
+HK$3,218/mo
Deposit HK$1.27M · loan HK$11.42M · min. income ≈ HK$122,098/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$475,672 · Scale 2, in force from 26 Feb 2026)