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$28,762
−HK$1,803/mo
▼ 0.25% · 3.875%
HK$29,656
−HK$909/mo
Today · 4.125%
HK$30,565
baseline
▲ 0.50% · 4.625%
HK$32,425
+HK$1,860/mo
Deposit HK$6.31M · loan HK$6.31M · min. income ≈ HK$61,130/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$473,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,997
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$32,855
−HK$871/mo
Today · 4.125%
HK$33,726
baseline
▲ 0.50% · 4.625%
HK$35,504
+HK$1,778/mo
Deposit HK$6.31M · loan HK$6.31M · min. income ≈ HK$67,452/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$473,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,514
−HK$2,164/mo
▼ 0.25% · 3.875%
HK$35,588
−HK$1,090/mo
Today · 4.125%
HK$36,678
baseline
▲ 0.50% · 4.625%
HK$38,910
+HK$2,232/mo
Deposit HK$5.05M · loan HK$7.57M · min. income ≈ HK$73,356/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$473,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,397
−HK$2,074/mo
▼ 0.25% · 3.875%
HK$39,426
−HK$1,045/mo
Today · 4.125%
HK$40,471
baseline
▲ 0.50% · 4.625%
HK$42,604
+HK$2,133/mo
Deposit HK$5.05M · loan HK$7.57M · min. income ≈ HK$80,942/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$473,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,266
−HK$2,525/mo
▼ 0.25% · 3.875%
HK$41,519
−HK$1,272/mo
Today · 4.125%
HK$42,791
baseline
▲ 0.50% · 4.625%
HK$45,395
+HK$2,604/mo
Deposit HK$3.78M · loan HK$8.83M · min. income ≈ HK$85,582/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$473,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,796
−HK$2,420/mo
▼ 0.25% · 3.875%
HK$45,997
−HK$1,219/mo
Today · 4.125%
HK$47,216
baseline
▲ 0.50% · 4.625%
HK$49,705
+HK$2,489/mo
Deposit HK$3.78M · loan HK$8.83M · min. income ≈ HK$94,432/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$473,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,771
−HK$3,247/mo
▼ 0.25% · 3.875%
HK$53,381
−HK$1,637/mo
Today · 4.125%
HK$55,018
baseline
▲ 0.50% · 4.625%
HK$58,365
+HK$3,347/mo
Deposit HK$1.26M · loan HK$11.35M · min. income ≈ HK$110,036/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$473,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,595
−HK$3,111/mo
▼ 0.25% · 3.875%
HK$59,139
−HK$1,567/mo
Today · 4.125%
HK$60,706
baseline
▲ 0.50% · 4.625%
HK$63,906
+HK$3,200/mo
Deposit HK$1.26M · loan HK$11.35M · min. income ≈ HK$121,412/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$473,002 · Scale 2, in force from 26 Feb 2026)