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$28,839
−HK$1,809/mo
▼ 0.25% · 3.875%
HK$29,736
−HK$912/mo
Today · 4.125%
HK$30,648
baseline
▲ 0.50% · 4.625%
HK$32,512
+HK$1,864/mo
Deposit HK$6.32M · loan HK$6.32M · min. income ≈ HK$61,296/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$474,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,083
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$32,944
−HK$873/mo
Today · 4.125%
HK$33,817
baseline
▲ 0.50% · 4.625%
HK$35,599
+HK$1,782/mo
Deposit HK$6.32M · loan HK$6.32M · min. income ≈ HK$67,634/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$474,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,607
−HK$2,170/mo
▼ 0.25% · 3.875%
HK$35,683
−HK$1,094/mo
Today · 4.125%
HK$36,777
baseline
▲ 0.50% · 4.625%
HK$39,015
+HK$2,238/mo
Deposit HK$5.06M · loan HK$7.59M · min. income ≈ HK$73,554/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$474,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,500
−HK$2,080/mo
▼ 0.25% · 3.875%
HK$39,532
−HK$1,048/mo
Today · 4.125%
HK$40,580
baseline
▲ 0.50% · 4.625%
HK$42,719
+HK$2,139/mo
Deposit HK$5.06M · loan HK$7.59M · min. income ≈ HK$81,160/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$474,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,375
−HK$2,532/mo
▼ 0.25% · 3.875%
HK$41,631
−HK$1,276/mo
Today · 4.125%
HK$42,907
baseline
▲ 0.50% · 4.625%
HK$45,517
+HK$2,610/mo
Deposit HK$3.79M · loan HK$8.85M · min. income ≈ HK$85,814/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$474,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,916
−HK$2,427/mo
▼ 0.25% · 3.875%
HK$46,121
−HK$1,222/mo
Today · 4.125%
HK$47,343
baseline
▲ 0.50% · 4.625%
HK$49,839
+HK$2,496/mo
Deposit HK$3.79M · loan HK$8.85M · min. income ≈ HK$94,686/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$474,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,910
−HK$3,256/mo
▼ 0.25% · 3.875%
HK$53,525
−HK$1,641/mo
Today · 4.125%
HK$55,166
baseline
▲ 0.50% · 4.625%
HK$58,522
+HK$3,356/mo
Deposit HK$1.26M · loan HK$11.38M · min. income ≈ HK$110,332/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$474,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,750
−HK$3,120/mo
▼ 0.25% · 3.875%
HK$59,299
−HK$1,571/mo
Today · 4.125%
HK$60,870
baseline
▲ 0.50% · 4.625%
HK$64,078
+HK$3,208/mo
Deposit HK$1.26M · loan HK$11.38M · min. income ≈ HK$121,740/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$474,274 · Scale 2, in force from 26 Feb 2026)