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$28,864
−HK$1,810/mo
▼ 0.25% · 3.875%
HK$29,762
−HK$912/mo
Today · 4.125%
HK$30,674
baseline
▲ 0.50% · 4.625%
HK$32,540
+HK$1,866/mo
Deposit HK$6.33M · loan HK$6.33M · min. income ≈ HK$61,348/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$474,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,111
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$32,972
−HK$873/mo
Today · 4.125%
HK$33,845
baseline
▲ 0.50% · 4.625%
HK$35,629
+HK$1,784/mo
Deposit HK$6.33M · loan HK$6.33M · min. income ≈ HK$67,690/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$474,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,636
−HK$2,172/mo
▼ 0.25% · 3.875%
HK$35,714
−HK$1,094/mo
Today · 4.125%
HK$36,808
baseline
▲ 0.50% · 4.625%
HK$39,048
+HK$2,240/mo
Deposit HK$5.06M · loan HK$7.59M · min. income ≈ HK$73,616/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$474,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,533
−HK$2,082/mo
▼ 0.25% · 3.875%
HK$39,566
−HK$1,049/mo
Today · 4.125%
HK$40,615
baseline
▲ 0.50% · 4.625%
HK$42,755
+HK$2,140/mo
Deposit HK$5.06M · loan HK$7.59M · min. income ≈ HK$81,230/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$474,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,409
−HK$2,534/mo
▼ 0.25% · 3.875%
HK$41,666
−HK$1,277/mo
Today · 4.125%
HK$42,943
baseline
▲ 0.50% · 4.625%
HK$45,556
+HK$2,613/mo
Deposit HK$3.80M · loan HK$8.86M · min. income ≈ HK$85,886/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$474,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,955
−HK$2,429/mo
▼ 0.25% · 3.875%
HK$46,160
−HK$1,224/mo
Today · 4.125%
HK$47,384
baseline
▲ 0.50% · 4.625%
HK$49,881
+HK$2,497/mo
Deposit HK$3.80M · loan HK$8.86M · min. income ≈ HK$94,768/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$474,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,955
−HK$3,258/mo
▼ 0.25% · 3.875%
HK$53,571
−HK$1,642/mo
Today · 4.125%
HK$55,213
baseline
▲ 0.50% · 4.625%
HK$58,572
+HK$3,359/mo
Deposit HK$1.27M · loan HK$11.39M · min. income ≈ HK$110,426/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$474,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,799
−HK$3,123/mo
▼ 0.25% · 3.875%
HK$59,349
−HK$1,573/mo
Today · 4.125%
HK$60,922
baseline
▲ 0.50% · 4.625%
HK$64,133
+HK$3,211/mo
Deposit HK$1.27M · loan HK$11.39M · min. income ≈ HK$121,844/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$474,679 · Scale 2, in force from 26 Feb 2026)