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$28,797
−HK$1,806/mo
▼ 0.25% · 3.875%
HK$29,693
−HK$910/mo
Today · 4.125%
HK$30,603
baseline
▲ 0.50% · 4.625%
HK$32,465
+HK$1,862/mo
Deposit HK$6.31M · loan HK$6.31M · min. income ≈ HK$61,206/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$473,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,036
−HK$1,731/mo
▼ 0.25% · 3.875%
HK$32,896
−HK$871/mo
Today · 4.125%
HK$33,767
baseline
▲ 0.50% · 4.625%
HK$35,547
+HK$1,780/mo
Deposit HK$6.31M · loan HK$6.31M · min. income ≈ HK$67,534/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$473,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,556
−HK$2,167/mo
▼ 0.25% · 3.875%
HK$35,631
−HK$1,092/mo
Today · 4.125%
HK$36,723
baseline
▲ 0.50% · 4.625%
HK$38,958
+HK$2,235/mo
Deposit HK$5.05M · loan HK$7.58M · min. income ≈ HK$73,446/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$473,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,444
−HK$2,077/mo
▼ 0.25% · 3.875%
HK$39,475
−HK$1,046/mo
Today · 4.125%
HK$40,521
baseline
▲ 0.50% · 4.625%
HK$42,657
+HK$2,136/mo
Deposit HK$5.05M · loan HK$7.58M · min. income ≈ HK$81,042/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$473,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,316
−HK$2,528/mo
▼ 0.25% · 3.875%
HK$41,570
−HK$1,274/mo
Today · 4.125%
HK$42,844
baseline
▲ 0.50% · 4.625%
HK$45,451
+HK$2,607/mo
Deposit HK$3.79M · loan HK$8.84M · min. income ≈ HK$85,688/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$473,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,851
−HK$2,423/mo
▼ 0.25% · 3.875%
HK$46,054
−HK$1,220/mo
Today · 4.125%
HK$47,274
baseline
▲ 0.50% · 4.625%
HK$49,766
+HK$2,492/mo
Deposit HK$3.79M · loan HK$8.84M · min. income ≈ HK$94,548/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$473,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,835
−HK$3,250/mo
▼ 0.25% · 3.875%
HK$53,447
−HK$1,638/mo
Today · 4.125%
HK$55,085
baseline
▲ 0.50% · 4.625%
HK$58,437
+HK$3,352/mo
Deposit HK$1.26M · loan HK$11.37M · min. income ≈ HK$110,170/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$473,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,666
−HK$3,115/mo
▼ 0.25% · 3.875%
HK$59,212
−HK$1,569/mo
Today · 4.125%
HK$60,781
baseline
▲ 0.50% · 4.625%
HK$63,985
+HK$3,204/mo
Deposit HK$1.26M · loan HK$11.37M · min. income ≈ HK$121,562/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$473,582 · Scale 2, in force from 26 Feb 2026)