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$28,775
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$29,670
−HK$910/mo
Today · 4.125%
HK$30,580
baseline
▲ 0.50% · 4.625%
HK$32,440
+HK$1,860/mo
Deposit HK$6.31M · loan HK$6.31M · min. income ≈ HK$61,160/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$473,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,012
−HK$1,730/mo
▼ 0.25% · 3.875%
HK$32,871
−HK$871/mo
Today · 4.125%
HK$33,742
baseline
▲ 0.50% · 4.625%
HK$35,520
+HK$1,778/mo
Deposit HK$6.31M · loan HK$6.31M · min. income ≈ HK$67,484/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$473,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,530
−HK$2,166/mo
▼ 0.25% · 3.875%
HK$35,604
−HK$1,092/mo
Today · 4.125%
HK$36,696
baseline
▲ 0.50% · 4.625%
HK$38,929
+HK$2,233/mo
Deposit HK$5.05M · loan HK$7.57M · min. income ≈ HK$73,392/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$473,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,415
−HK$2,075/mo
▼ 0.25% · 3.875%
HK$39,445
−HK$1,045/mo
Today · 4.125%
HK$40,490
baseline
▲ 0.50% · 4.625%
HK$42,624
+HK$2,134/mo
Deposit HK$5.05M · loan HK$7.57M · min. income ≈ HK$80,980/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$473,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,285
−HK$2,527/mo
▼ 0.25% · 3.875%
HK$41,538
−HK$1,274/mo
Today · 4.125%
HK$42,812
baseline
▲ 0.50% · 4.625%
HK$45,417
+HK$2,605/mo
Deposit HK$3.79M · loan HK$8.83M · min. income ≈ HK$85,624/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$473,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,817
−HK$2,421/mo
▼ 0.25% · 3.875%
HK$46,019
−HK$1,219/mo
Today · 4.125%
HK$47,238
baseline
▲ 0.50% · 4.625%
HK$49,728
+HK$2,490/mo
Deposit HK$3.79M · loan HK$8.83M · min. income ≈ HK$94,476/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$473,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,795
−HK$3,248/mo
▼ 0.25% · 3.875%
HK$53,407
−HK$1,636/mo
Today · 4.125%
HK$55,043
baseline
▲ 0.50% · 4.625%
HK$58,393
+HK$3,350/mo
Deposit HK$1.26M · loan HK$11.36M · min. income ≈ HK$110,086/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$473,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,622
−HK$3,113/mo
▼ 0.25% · 3.875%
HK$59,167
−HK$1,568/mo
Today · 4.125%
HK$60,735
baseline
▲ 0.50% · 4.625%
HK$63,936
+HK$3,201/mo
Deposit HK$1.26M · loan HK$11.36M · min. income ≈ HK$121,470/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$473,225 · Scale 2, in force from 26 Feb 2026)