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$28,860
−HK$1,810/mo
▼ 0.25% · 3.875%
HK$29,758
−HK$912/mo
Today · 4.125%
HK$30,670
baseline
▲ 0.50% · 4.625%
HK$32,536
+HK$1,866/mo
Deposit HK$6.33M · loan HK$6.33M · min. income ≈ HK$61,340/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$474,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,107
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$32,968
−HK$873/mo
Today · 4.125%
HK$33,841
baseline
▲ 0.50% · 4.625%
HK$35,625
+HK$1,784/mo
Deposit HK$6.33M · loan HK$6.33M · min. income ≈ HK$67,682/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$474,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,632
−HK$2,172/mo
▼ 0.25% · 3.875%
HK$35,709
−HK$1,095/mo
Today · 4.125%
HK$36,804
baseline
▲ 0.50% · 4.625%
HK$39,043
+HK$2,239/mo
Deposit HK$5.06M · loan HK$7.59M · min. income ≈ HK$73,608/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$474,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,528
−HK$2,082/mo
▼ 0.25% · 3.875%
HK$39,561
−HK$1,049/mo
Today · 4.125%
HK$40,610
baseline
▲ 0.50% · 4.625%
HK$42,750
+HK$2,140/mo
Deposit HK$5.06M · loan HK$7.59M · min. income ≈ HK$81,220/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$474,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,404
−HK$2,534/mo
▼ 0.25% · 3.875%
HK$41,661
−HK$1,277/mo
Today · 4.125%
HK$42,938
baseline
▲ 0.50% · 4.625%
HK$45,551
+HK$2,613/mo
Deposit HK$3.80M · loan HK$8.86M · min. income ≈ HK$85,876/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$474,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,949
−HK$2,429/mo
▼ 0.25% · 3.875%
HK$46,155
−HK$1,223/mo
Today · 4.125%
HK$47,378
baseline
▲ 0.50% · 4.625%
HK$49,875
+HK$2,497/mo
Deposit HK$3.80M · loan HK$8.86M · min. income ≈ HK$94,756/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$474,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,948
−HK$3,258/mo
▼ 0.25% · 3.875%
HK$53,564
−HK$1,642/mo
Today · 4.125%
HK$55,206
baseline
▲ 0.50% · 4.625%
HK$58,565
+HK$3,359/mo
Deposit HK$1.27M · loan HK$11.39M · min. income ≈ HK$110,412/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$474,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,792
−HK$3,122/mo
▼ 0.25% · 3.875%
HK$59,342
−HK$1,572/mo
Today · 4.125%
HK$60,914
baseline
▲ 0.50% · 4.625%
HK$64,125
+HK$3,211/mo
Deposit HK$1.27M · loan HK$11.39M · min. income ≈ HK$121,828/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$474,621 · Scale 2, in force from 26 Feb 2026)