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$1,804/mo
▼ 0.25% · 3.875%
HK$29,670
−HK$909/mo
Today · 4.125%
HK$30,579
baseline
▲ 0.50% · 4.625%
HK$32,440
+HK$1,861/mo
Deposit HK$6.31M · loan HK$6.31M · min. income ≈ HK$61,158/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$473,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,012
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$32,870
−HK$871/mo
Today · 4.125%
HK$33,741
baseline
▲ 0.50% · 4.625%
HK$35,520
+HK$1,779/mo
Deposit HK$6.31M · loan HK$6.31M · min. income ≈ HK$67,482/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$473,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,530
−HK$2,165/mo
▼ 0.25% · 3.875%
HK$35,604
−HK$1,091/mo
Today · 4.125%
HK$36,695
baseline
▲ 0.50% · 4.625%
HK$38,928
+HK$2,233/mo
Deposit HK$5.05M · loan HK$7.57M · min. income ≈ HK$73,390/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$473,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,414
−HK$2,076/mo
▼ 0.25% · 3.875%
HK$39,444
−HK$1,046/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$473,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,285
−HK$2,526/mo
▼ 0.25% · 3.875%
HK$41,538
−HK$1,273/mo
Today · 4.125%
HK$42,811
baseline
▲ 0.50% · 4.625%
HK$45,416
+HK$2,605/mo
Deposit HK$3.79M · loan HK$8.83M · min. income ≈ HK$85,622/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$473,219 · 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$473,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,795
−HK$3,248/mo
▼ 0.25% · 3.875%
HK$53,406
−HK$1,637/mo
Today · 4.125%
HK$55,043
baseline
▲ 0.50% · 4.625%
HK$58,392
+HK$3,349/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$473,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,621
−HK$3,113/mo
▼ 0.25% · 3.875%
HK$59,167
−HK$1,567/mo
Today · 4.125%
HK$60,734
baseline
▲ 0.50% · 4.625%
HK$63,936
+HK$3,202/mo
Deposit HK$1.26M · loan HK$11.36M · min. income ≈ HK$121,468/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$473,219 · Scale 2, in force from 26 Feb 2026)