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$28,828
−HK$1,808/mo
▼ 0.25% · 3.875%
HK$29,725
−HK$911/mo
Today · 4.125%
HK$30,636
baseline
▲ 0.50% · 4.625%
HK$32,500
+HK$1,864/mo
Deposit HK$6.32M · loan HK$6.32M · min. income ≈ HK$61,272/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$474,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,071
−HK$1,733/mo
▼ 0.25% · 3.875%
HK$32,931
−HK$873/mo
Today · 4.125%
HK$33,804
baseline
▲ 0.50% · 4.625%
HK$35,586
+HK$1,782/mo
Deposit HK$6.32M · loan HK$6.32M · min. income ≈ HK$67,608/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$474,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,594
−HK$2,169/mo
▼ 0.25% · 3.875%
HK$35,670
−HK$1,093/mo
Today · 4.125%
HK$36,763
baseline
▲ 0.50% · 4.625%
HK$39,000
+HK$2,237/mo
Deposit HK$5.06M · loan HK$7.59M · min. income ≈ HK$73,526/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$474,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,486
−HK$2,079/mo
▼ 0.25% · 3.875%
HK$39,518
−HK$1,047/mo
Today · 4.125%
HK$40,565
baseline
▲ 0.50% · 4.625%
HK$42,703
+HK$2,138/mo
Deposit HK$5.06M · loan HK$7.59M · min. income ≈ HK$81,130/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$474,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,360
−HK$2,531/mo
▼ 0.25% · 3.875%
HK$41,615
−HK$1,276/mo
Today · 4.125%
HK$42,891
baseline
▲ 0.50% · 4.625%
HK$45,500
+HK$2,609/mo
Deposit HK$3.79M · loan HK$8.85M · min. income ≈ HK$85,782/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$474,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,900
−HK$2,426/mo
▼ 0.25% · 3.875%
HK$46,104
−HK$1,222/mo
Today · 4.125%
HK$47,326
baseline
▲ 0.50% · 4.625%
HK$49,820
+HK$2,494/mo
Deposit HK$3.79M · loan HK$8.85M · min. income ≈ HK$94,652/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$474,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,891
−HK$3,254/mo
▼ 0.25% · 3.875%
HK$53,505
−HK$1,640/mo
Today · 4.125%
HK$55,145
baseline
▲ 0.50% · 4.625%
HK$58,501
+HK$3,356/mo
Deposit HK$1.26M · loan HK$11.38M · min. income ≈ HK$110,290/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$474,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,728
−HK$3,119/mo
▼ 0.25% · 3.875%
HK$59,277
−HK$1,570/mo
Today · 4.125%
HK$60,847
baseline
▲ 0.50% · 4.625%
HK$64,055
+HK$3,208/mo
Deposit HK$1.26M · loan HK$11.38M · min. income ≈ HK$121,694/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$474,098 · Scale 2, in force from 26 Feb 2026)