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$28,841
−HK$1,808/mo
▼ 0.25% · 3.875%
HK$29,738
−HK$911/mo
Today · 4.125%
HK$30,649
baseline
▲ 0.50% · 4.625%
HK$32,514
+HK$1,865/mo
Deposit HK$6.32M · loan HK$6.32M · min. income ≈ HK$61,298/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$474,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,085
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$32,946
−HK$873/mo
Today · 4.125%
HK$33,819
baseline
▲ 0.50% · 4.625%
HK$35,601
+HK$1,782/mo
Deposit HK$6.32M · loan HK$6.32M · min. income ≈ HK$67,638/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$474,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,609
−HK$2,170/mo
▼ 0.25% · 3.875%
HK$35,686
−HK$1,093/mo
Today · 4.125%
HK$36,779
baseline
▲ 0.50% · 4.625%
HK$39,017
+HK$2,238/mo
Deposit HK$5.06M · loan HK$7.59M · min. income ≈ HK$73,558/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$474,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,502
−HK$2,080/mo
▼ 0.25% · 3.875%
HK$39,535
−HK$1,047/mo
Today · 4.125%
HK$40,582
baseline
▲ 0.50% · 4.625%
HK$42,722
+HK$2,140/mo
Deposit HK$5.06M · loan HK$7.59M · min. income ≈ HK$81,164/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$474,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,377
−HK$2,532/mo
▼ 0.25% · 3.875%
HK$41,633
−HK$1,276/mo
Today · 4.125%
HK$42,909
baseline
▲ 0.50% · 4.625%
HK$45,520
+HK$2,611/mo
Deposit HK$3.79M · loan HK$8.85M · min. income ≈ HK$85,818/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$474,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,919
−HK$2,427/mo
▼ 0.25% · 3.875%
HK$46,124
−HK$1,222/mo
Today · 4.125%
HK$47,346
baseline
▲ 0.50% · 4.625%
HK$49,842
+HK$2,496/mo
Deposit HK$3.79M · loan HK$8.85M · min. income ≈ HK$94,692/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$474,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,914
−HK$3,255/mo
▼ 0.25% · 3.875%
HK$53,528
−HK$1,641/mo
Today · 4.125%
HK$55,169
baseline
▲ 0.50% · 4.625%
HK$58,526
+HK$3,357/mo
Deposit HK$1.26M · loan HK$11.38M · min. income ≈ HK$110,338/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$474,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,753
−HK$3,121/mo
▼ 0.25% · 3.875%
HK$59,302
−HK$1,572/mo
Today · 4.125%
HK$60,874
baseline
▲ 0.50% · 4.625%
HK$64,082
+HK$3,208/mo
Deposit HK$1.26M · loan HK$11.38M · min. income ≈ HK$121,748/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$474,303 · Scale 2, in force from 26 Feb 2026)