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$28,927
−HK$1,814/mo
▼ 0.25% · 3.875%
HK$29,827
−HK$914/mo
Today · 4.125%
HK$30,741
baseline
▲ 0.50% · 4.625%
HK$32,611
+HK$1,870/mo
Deposit HK$6.34M · loan HK$6.34M · min. income ≈ HK$61,482/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$475,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,181
−HK$1,739/mo
▼ 0.25% · 3.875%
HK$33,044
−HK$876/mo
Today · 4.125%
HK$33,920
baseline
▲ 0.50% · 4.625%
HK$35,707
+HK$1,787/mo
Deposit HK$6.34M · loan HK$6.34M · min. income ≈ HK$67,840/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$475,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,712
−HK$2,177/mo
▼ 0.25% · 3.875%
HK$35,792
−HK$1,097/mo
Today · 4.125%
HK$36,889
baseline
▲ 0.50% · 4.625%
HK$39,134
+HK$2,245/mo
Deposit HK$5.07M · loan HK$7.61M · min. income ≈ HK$73,778/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$475,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,617
−HK$2,086/mo
▼ 0.25% · 3.875%
HK$39,653
−HK$1,050/mo
Today · 4.125%
HK$40,703
baseline
▲ 0.50% · 4.625%
HK$42,849
+HK$2,146/mo
Deposit HK$5.07M · loan HK$7.61M · min. income ≈ HK$81,406/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$475,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,498
−HK$2,539/mo
▼ 0.25% · 3.875%
HK$41,757
−HK$1,280/mo
Today · 4.125%
HK$43,037
baseline
▲ 0.50% · 4.625%
HK$45,656
+HK$2,619/mo
Deposit HK$3.81M · loan HK$8.88M · min. income ≈ HK$86,074/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,053
−HK$2,434/mo
▼ 0.25% · 3.875%
HK$46,262
−HK$1,225/mo
Today · 4.125%
HK$47,487
baseline
▲ 0.50% · 4.625%
HK$49,990
+HK$2,503/mo
Deposit HK$3.81M · loan HK$8.88M · min. income ≈ HK$94,974/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,068
−HK$3,266/mo
▼ 0.25% · 3.875%
HK$53,688
−HK$1,646/mo
Today · 4.125%
HK$55,334
baseline
▲ 0.50% · 4.625%
HK$58,700
+HK$3,366/mo
Deposit HK$1.27M · loan HK$11.42M · min. income ≈ HK$110,668/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$475,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,926
−HK$3,129/mo
▼ 0.25% · 3.875%
HK$59,479
−HK$1,576/mo
Today · 4.125%
HK$61,055
baseline
▲ 0.50% · 4.625%
HK$64,273
+HK$3,218/mo
Deposit HK$1.27M · loan HK$11.42M · min. income ≈ HK$122,110/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$475,718 · Scale 2, in force from 26 Feb 2026)