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$28,888
−HK$1,812/mo
▼ 0.25% · 3.875%
HK$29,787
−HK$913/mo
Today · 4.125%
HK$30,700
baseline
▲ 0.50% · 4.625%
HK$32,568
+HK$1,868/mo
Deposit HK$6.33M · loan HK$6.33M · min. income ≈ HK$61,400/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$475,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,138
−HK$1,736/mo
▼ 0.25% · 3.875%
HK$33,000
−HK$874/mo
Today · 4.125%
HK$33,874
baseline
▲ 0.50% · 4.625%
HK$35,660
+HK$1,786/mo
Deposit HK$6.33M · loan HK$6.33M · min. income ≈ HK$67,748/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$475,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,666
−HK$2,174/mo
▼ 0.25% · 3.875%
HK$35,744
−HK$1,096/mo
Today · 4.125%
HK$36,840
baseline
▲ 0.50% · 4.625%
HK$39,082
+HK$2,242/mo
Deposit HK$5.07M · loan HK$7.60M · min. income ≈ HK$73,680/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$475,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,566
−HK$2,083/mo
▼ 0.25% · 3.875%
HK$39,600
−HK$1,049/mo
Today · 4.125%
HK$40,649
baseline
▲ 0.50% · 4.625%
HK$42,792
+HK$2,143/mo
Deposit HK$5.07M · loan HK$7.60M · min. income ≈ HK$81,298/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$475,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,444
−HK$2,536/mo
▼ 0.25% · 3.875%
HK$41,702
−HK$1,278/mo
Today · 4.125%
HK$42,980
baseline
▲ 0.50% · 4.625%
HK$45,595
+HK$2,615/mo
Deposit HK$3.80M · loan HK$8.87M · min. income ≈ HK$85,960/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,993
−HK$2,431/mo
▼ 0.25% · 3.875%
HK$46,200
−HK$1,224/mo
Today · 4.125%
HK$47,424
baseline
▲ 0.50% · 4.625%
HK$49,924
+HK$2,500/mo
Deposit HK$3.80M · loan HK$8.87M · min. income ≈ HK$94,848/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,999
−HK$3,261/mo
▼ 0.25% · 3.875%
HK$53,617
−HK$1,643/mo
Today · 4.125%
HK$55,260
baseline
▲ 0.50% · 4.625%
HK$58,623
+HK$3,363/mo
Deposit HK$1.27M · loan HK$11.40M · min. income ≈ HK$110,520/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$475,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,849
−HK$3,125/mo
▼ 0.25% · 3.875%
HK$59,400
−HK$1,574/mo
Today · 4.125%
HK$60,974
baseline
▲ 0.50% · 4.625%
HK$64,188
+HK$3,214/mo
Deposit HK$1.27M · loan HK$11.40M · min. income ≈ HK$121,948/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$475,087 · Scale 2, in force from 26 Feb 2026)