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$28,879
−HK$1,811/mo
▼ 0.25% · 3.875%
HK$29,778
−HK$912/mo
Today · 4.125%
HK$30,690
baseline
▲ 0.50% · 4.625%
HK$32,558
+HK$1,868/mo
Deposit HK$6.33M · loan HK$6.33M · min. income ≈ HK$61,380/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$474,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,128
−HK$1,736/mo
▼ 0.25% · 3.875%
HK$32,990
−HK$874/mo
Today · 4.125%
HK$33,864
baseline
▲ 0.50% · 4.625%
HK$35,649
+HK$1,785/mo
Deposit HK$6.33M · loan HK$6.33M · min. income ≈ HK$67,728/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$474,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,655
−HK$2,173/mo
▼ 0.25% · 3.875%
HK$35,733
−HK$1,095/mo
Today · 4.125%
HK$36,828
baseline
▲ 0.50% · 4.625%
HK$39,069
+HK$2,241/mo
Deposit HK$5.07M · loan HK$7.60M · min. income ≈ HK$73,656/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$474,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,554
−HK$2,082/mo
▼ 0.25% · 3.875%
HK$39,588
−HK$1,048/mo
Today · 4.125%
HK$40,636
baseline
▲ 0.50% · 4.625%
HK$42,778
+HK$2,142/mo
Deposit HK$5.07M · loan HK$7.60M · min. income ≈ HK$81,272/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$474,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,431
−HK$2,535/mo
▼ 0.25% · 3.875%
HK$41,689
−HK$1,277/mo
Today · 4.125%
HK$42,966
baseline
▲ 0.50% · 4.625%
HK$45,581
+HK$2,615/mo
Deposit HK$3.80M · loan HK$8.87M · min. income ≈ HK$85,932/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$474,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,979
−HK$2,430/mo
▼ 0.25% · 3.875%
HK$46,185
−HK$1,224/mo
Today · 4.125%
HK$47,409
baseline
▲ 0.50% · 4.625%
HK$49,908
+HK$2,499/mo
Deposit HK$3.80M · loan HK$8.87M · min. income ≈ HK$94,818/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$474,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,983
−HK$3,260/mo
▼ 0.25% · 3.875%
HK$53,600
−HK$1,643/mo
Today · 4.125%
HK$55,243
baseline
▲ 0.50% · 4.625%
HK$58,604
+HK$3,361/mo
Deposit HK$1.27M · loan HK$11.40M · min. income ≈ HK$110,486/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$474,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,830
−HK$3,125/mo
▼ 0.25% · 3.875%
HK$59,381
−HK$1,574/mo
Today · 4.125%
HK$60,955
baseline
▲ 0.50% · 4.625%
HK$64,168
+HK$3,213/mo
Deposit HK$1.27M · loan HK$11.40M · min. income ≈ HK$121,910/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$474,936 · Scale 2, in force from 26 Feb 2026)