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$28,820
−HK$1,808/mo
▼ 0.25% · 3.875%
HK$29,717
−HK$911/mo
Today · 4.125%
HK$30,628
baseline
▲ 0.50% · 4.625%
HK$32,491
+HK$1,863/mo
Deposit HK$6.32M · loan HK$6.32M · min. income ≈ HK$61,256/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$473,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,062
−HK$1,732/mo
▼ 0.25% · 3.875%
HK$32,922
−HK$872/mo
Today · 4.125%
HK$33,794
baseline
▲ 0.50% · 4.625%
HK$35,576
+HK$1,782/mo
Deposit HK$6.32M · loan HK$6.32M · min. income ≈ HK$67,588/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$473,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,584
−HK$2,169/mo
▼ 0.25% · 3.875%
HK$35,660
−HK$1,093/mo
Today · 4.125%
HK$36,753
baseline
▲ 0.50% · 4.625%
HK$38,989
+HK$2,236/mo
Deposit HK$5.06M · loan HK$7.58M · min. income ≈ HK$73,506/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$473,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,475
−HK$2,078/mo
▼ 0.25% · 3.875%
HK$39,507
−HK$1,046/mo
Today · 4.125%
HK$40,553
baseline
▲ 0.50% · 4.625%
HK$42,691
+HK$2,138/mo
Deposit HK$5.06M · loan HK$7.58M · min. income ≈ HK$81,106/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$473,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,348
−HK$2,531/mo
▼ 0.25% · 3.875%
HK$41,603
−HK$1,276/mo
Today · 4.125%
HK$42,879
baseline
▲ 0.50% · 4.625%
HK$45,488
+HK$2,609/mo
Deposit HK$3.79M · loan HK$8.85M · min. income ≈ HK$85,758/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$473,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,887
−HK$2,425/mo
▼ 0.25% · 3.875%
HK$46,091
−HK$1,221/mo
Today · 4.125%
HK$47,312
baseline
▲ 0.50% · 4.625%
HK$49,806
+HK$2,494/mo
Deposit HK$3.79M · loan HK$8.85M · min. income ≈ HK$94,624/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$473,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,876
−HK$3,254/mo
▼ 0.25% · 3.875%
HK$53,490
−HK$1,640/mo
Today · 4.125%
HK$55,130
baseline
▲ 0.50% · 4.625%
HK$58,484
+HK$3,354/mo
Deposit HK$1.26M · loan HK$11.38M · min. income ≈ HK$110,260/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$473,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,712
−HK$3,118/mo
▼ 0.25% · 3.875%
HK$59,260
−HK$1,570/mo
Today · 4.125%
HK$60,830
baseline
▲ 0.50% · 4.625%
HK$64,036
+HK$3,206/mo
Deposit HK$1.26M · loan HK$11.38M · min. income ≈ HK$121,660/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$473,964 · Scale 2, in force from 26 Feb 2026)