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$28,872
−HK$1,811/mo
▼ 0.25% · 3.875%
HK$29,770
−HK$913/mo
Today · 4.125%
HK$30,683
baseline
▲ 0.50% · 4.625%
HK$32,549
+HK$1,866/mo
Deposit HK$6.33M · loan HK$6.33M · min. income ≈ HK$61,366/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$474,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,120
−HK$1,735/mo
▼ 0.25% · 3.875%
HK$32,981
−HK$874/mo
Today · 4.125%
HK$33,855
baseline
▲ 0.50% · 4.625%
HK$35,640
+HK$1,785/mo
Deposit HK$6.33M · loan HK$6.33M · min. income ≈ HK$67,710/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$474,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,646
−HK$2,173/mo
▼ 0.25% · 3.875%
HK$35,724
−HK$1,095/mo
Today · 4.125%
HK$36,819
baseline
▲ 0.50% · 4.625%
HK$39,059
+HK$2,240/mo
Deposit HK$5.06M · loan HK$7.60M · min. income ≈ HK$73,638/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$474,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,544
−HK$2,082/mo
▼ 0.25% · 3.875%
HK$39,577
−HK$1,049/mo
Today · 4.125%
HK$40,626
baseline
▲ 0.50% · 4.625%
HK$42,768
+HK$2,142/mo
Deposit HK$5.06M · loan HK$7.60M · min. income ≈ HK$81,252/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$474,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,421
−HK$2,535/mo
▼ 0.25% · 3.875%
HK$41,678
−HK$1,278/mo
Today · 4.125%
HK$42,956
baseline
▲ 0.50% · 4.625%
HK$45,569
+HK$2,613/mo
Deposit HK$3.80M · loan HK$8.86M · min. income ≈ HK$85,912/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$474,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,968
−HK$2,429/mo
▼ 0.25% · 3.875%
HK$46,174
−HK$1,223/mo
Today · 4.125%
HK$47,397
baseline
▲ 0.50% · 4.625%
HK$49,896
+HK$2,499/mo
Deposit HK$3.80M · loan HK$8.86M · min. income ≈ HK$94,794/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$474,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,970
−HK$3,259/mo
▼ 0.25% · 3.875%
HK$53,586
−HK$1,643/mo
Today · 4.125%
HK$55,229
baseline
▲ 0.50% · 4.625%
HK$58,589
+HK$3,360/mo
Deposit HK$1.27M · loan HK$11.40M · min. income ≈ HK$110,458/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$474,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,816
−HK$3,123/mo
▼ 0.25% · 3.875%
HK$59,366
−HK$1,573/mo
Today · 4.125%
HK$60,939
baseline
▲ 0.50% · 4.625%
HK$64,151
+HK$3,212/mo
Deposit HK$1.27M · loan HK$11.40M · min. income ≈ HK$121,878/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$474,815 · Scale 2, in force from 26 Feb 2026)