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$28,846
−HK$1,809/mo
▼ 0.25% · 3.875%
HK$29,743
−HK$912/mo
Today · 4.125%
HK$30,655
baseline
▲ 0.50% · 4.625%
HK$32,520
+HK$1,865/mo
Deposit HK$6.33M · loan HK$6.33M · min. income ≈ HK$61,310/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$474,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,091
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$32,951
−HK$874/mo
Today · 4.125%
HK$33,825
baseline
▲ 0.50% · 4.625%
HK$35,607
+HK$1,782/mo
Deposit HK$6.33M · loan HK$6.33M · min. income ≈ HK$67,650/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$474,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,615
−HK$2,171/mo
▼ 0.25% · 3.875%
HK$35,692
−HK$1,094/mo
Today · 4.125%
HK$36,786
baseline
▲ 0.50% · 4.625%
HK$39,024
+HK$2,238/mo
Deposit HK$5.06M · loan HK$7.59M · min. income ≈ HK$73,572/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$474,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,509
−HK$2,080/mo
▼ 0.25% · 3.875%
HK$39,542
−HK$1,047/mo
Today · 4.125%
HK$40,589
baseline
▲ 0.50% · 4.625%
HK$42,729
+HK$2,140/mo
Deposit HK$5.06M · loan HK$7.59M · min. income ≈ HK$81,178/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$474,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,384
−HK$2,533/mo
▼ 0.25% · 3.875%
HK$41,640
−HK$1,277/mo
Today · 4.125%
HK$42,917
baseline
▲ 0.50% · 4.625%
HK$45,528
+HK$2,611/mo
Deposit HK$3.80M · loan HK$8.86M · min. income ≈ HK$85,834/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$474,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,927
−HK$2,427/mo
▼ 0.25% · 3.875%
HK$46,132
−HK$1,222/mo
Today · 4.125%
HK$47,354
baseline
▲ 0.50% · 4.625%
HK$49,850
+HK$2,496/mo
Deposit HK$3.80M · loan HK$8.86M · min. income ≈ HK$94,708/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$474,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,923
−HK$3,256/mo
▼ 0.25% · 3.875%
HK$53,538
−HK$1,641/mo
Today · 4.125%
HK$55,179
baseline
▲ 0.50% · 4.625%
HK$58,536
+HK$3,357/mo
Deposit HK$1.27M · loan HK$11.39M · min. income ≈ HK$110,358/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$474,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,763
−HK$3,121/mo
▼ 0.25% · 3.875%
HK$59,313
−HK$1,571/mo
Today · 4.125%
HK$60,884
baseline
▲ 0.50% · 4.625%
HK$64,093
+HK$3,209/mo
Deposit HK$1.27M · loan HK$11.39M · min. income ≈ HK$121,768/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$474,386 · Scale 2, in force from 26 Feb 2026)