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$28,862
−HK$1,809/mo
▼ 0.25% · 3.875%
HK$29,759
−HK$912/mo
Today · 4.125%
HK$30,671
baseline
▲ 0.50% · 4.625%
HK$32,538
+HK$1,867/mo
Deposit HK$6.33M · loan HK$6.33M · min. income ≈ HK$61,342/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$474,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,108
−HK$1,735/mo
▼ 0.25% · 3.875%
HK$32,969
−HK$874/mo
Today · 4.125%
HK$33,843
baseline
▲ 0.50% · 4.625%
HK$35,627
+HK$1,784/mo
Deposit HK$6.33M · loan HK$6.33M · min. income ≈ HK$67,686/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$474,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,634
−HK$2,172/mo
▼ 0.25% · 3.875%
HK$35,711
−HK$1,095/mo
Today · 4.125%
HK$36,806
baseline
▲ 0.50% · 4.625%
HK$39,045
+HK$2,239/mo
Deposit HK$5.06M · loan HK$7.59M · min. income ≈ HK$73,612/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$474,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,530
−HK$2,081/mo
▼ 0.25% · 3.875%
HK$39,563
−HK$1,048/mo
Today · 4.125%
HK$40,611
baseline
▲ 0.50% · 4.625%
HK$42,752
+HK$2,141/mo
Deposit HK$5.06M · loan HK$7.59M · min. income ≈ HK$81,222/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$474,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,406
−HK$2,534/mo
▼ 0.25% · 3.875%
HK$41,663
−HK$1,277/mo
Today · 4.125%
HK$42,940
baseline
▲ 0.50% · 4.625%
HK$45,553
+HK$2,613/mo
Deposit HK$3.80M · loan HK$8.86M · min. income ≈ HK$85,880/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$474,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,951
−HK$2,429/mo
▼ 0.25% · 3.875%
HK$46,157
−HK$1,223/mo
Today · 4.125%
HK$47,380
baseline
▲ 0.50% · 4.625%
HK$49,877
+HK$2,497/mo
Deposit HK$3.80M · loan HK$8.86M · min. income ≈ HK$94,760/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$474,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,951
−HK$3,258/mo
▼ 0.25% · 3.875%
HK$53,567
−HK$1,642/mo
Today · 4.125%
HK$55,209
baseline
▲ 0.50% · 4.625%
HK$58,568
+HK$3,359/mo
Deposit HK$1.27M · loan HK$11.39M · min. income ≈ HK$110,418/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$474,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,795
−HK$3,122/mo
▼ 0.25% · 3.875%
HK$59,345
−HK$1,572/mo
Today · 4.125%
HK$60,917
baseline
▲ 0.50% · 4.625%
HK$64,128
+HK$3,211/mo
Deposit HK$1.27M · loan HK$11.39M · min. income ≈ HK$121,834/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$474,643 · Scale 2, in force from 26 Feb 2026)