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$28,834
−HK$1,809/mo
▼ 0.25% · 3.875%
HK$29,731
−HK$912/mo
Today · 4.125%
HK$30,643
baseline
▲ 0.50% · 4.625%
HK$32,507
+HK$1,864/mo
Deposit HK$6.32M · loan HK$6.32M · min. income ≈ HK$61,286/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$474,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,078
−HK$1,733/mo
▼ 0.25% · 3.875%
HK$32,938
−HK$873/mo
Today · 4.125%
HK$33,811
baseline
▲ 0.50% · 4.625%
HK$35,593
+HK$1,782/mo
Deposit HK$6.32M · loan HK$6.32M · min. income ≈ HK$67,622/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$474,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,601
−HK$2,170/mo
▼ 0.25% · 3.875%
HK$35,678
−HK$1,093/mo
Today · 4.125%
HK$36,771
baseline
▲ 0.50% · 4.625%
HK$39,008
+HK$2,237/mo
Deposit HK$5.06M · loan HK$7.59M · min. income ≈ HK$73,542/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$474,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,494
−HK$2,079/mo
▼ 0.25% · 3.875%
HK$39,526
−HK$1,047/mo
Today · 4.125%
HK$40,573
baseline
▲ 0.50% · 4.625%
HK$42,712
+HK$2,139/mo
Deposit HK$5.06M · loan HK$7.59M · min. income ≈ HK$81,146/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$474,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,368
−HK$2,532/mo
▼ 0.25% · 3.875%
HK$41,624
−HK$1,276/mo
Today · 4.125%
HK$42,900
baseline
▲ 0.50% · 4.625%
HK$45,510
+HK$2,610/mo
Deposit HK$3.79M · loan HK$8.85M · min. income ≈ HK$85,800/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$474,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,909
−HK$2,426/mo
▼ 0.25% · 3.875%
HK$46,114
−HK$1,221/mo
Today · 4.125%
HK$47,335
baseline
▲ 0.50% · 4.625%
HK$49,831
+HK$2,496/mo
Deposit HK$3.79M · loan HK$8.85M · min. income ≈ HK$94,670/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$474,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,902
−HK$3,255/mo
▼ 0.25% · 3.875%
HK$53,516
−HK$1,641/mo
Today · 4.125%
HK$55,157
baseline
▲ 0.50% · 4.625%
HK$58,513
+HK$3,356/mo
Deposit HK$1.26M · loan HK$11.38M · min. income ≈ HK$110,314/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$474,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,740
−HK$3,120/mo
▼ 0.25% · 3.875%
HK$59,289
−HK$1,571/mo
Today · 4.125%
HK$60,860
baseline
▲ 0.50% · 4.625%
HK$64,068
+HK$3,208/mo
Deposit HK$1.26M · loan HK$11.38M · min. income ≈ HK$121,720/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$474,197 · Scale 2, in force from 26 Feb 2026)