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$28,807
−HK$1,806/mo
▼ 0.25% · 3.875%
HK$29,703
−HK$910/mo
Today · 4.125%
HK$30,613
baseline
▲ 0.50% · 4.625%
HK$32,476
+HK$1,863/mo
Deposit HK$6.32M · loan HK$6.32M · min. income ≈ HK$61,226/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$473,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,047
−HK$1,732/mo
▼ 0.25% · 3.875%
HK$32,907
−HK$872/mo
Today · 4.125%
HK$33,779
baseline
▲ 0.50% · 4.625%
HK$35,559
+HK$1,780/mo
Deposit HK$6.32M · loan HK$6.32M · min. income ≈ HK$67,558/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$473,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,568
−HK$2,168/mo
▼ 0.25% · 3.875%
HK$35,643
−HK$1,093/mo
Today · 4.125%
HK$36,736
baseline
▲ 0.50% · 4.625%
HK$38,971
+HK$2,235/mo
Deposit HK$5.05M · loan HK$7.58M · min. income ≈ HK$73,472/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$473,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,457
−HK$2,077/mo
▼ 0.25% · 3.875%
HK$39,488
−HK$1,046/mo
Today · 4.125%
HK$40,534
baseline
▲ 0.50% · 4.625%
HK$42,671
+HK$2,137/mo
Deposit HK$5.05M · loan HK$7.58M · min. income ≈ HK$81,068/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$473,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,329
−HK$2,529/mo
▼ 0.25% · 3.875%
HK$41,584
−HK$1,274/mo
Today · 4.125%
HK$42,858
baseline
▲ 0.50% · 4.625%
HK$45,466
+HK$2,608/mo
Deposit HK$3.79M · loan HK$8.84M · min. income ≈ HK$85,716/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$473,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,866
−HK$2,424/mo
▼ 0.25% · 3.875%
HK$46,069
−HK$1,221/mo
Today · 4.125%
HK$47,290
baseline
▲ 0.50% · 4.625%
HK$49,783
+HK$2,493/mo
Deposit HK$3.79M · loan HK$8.84M · min. income ≈ HK$94,580/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$473,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,852
−HK$3,252/mo
▼ 0.25% · 3.875%
HK$53,465
−HK$1,639/mo
Today · 4.125%
HK$55,104
baseline
▲ 0.50% · 4.625%
HK$58,457
+HK$3,353/mo
Deposit HK$1.26M · loan HK$11.37M · min. income ≈ HK$110,208/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$473,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,685
−HK$3,116/mo
▼ 0.25% · 3.875%
HK$59,232
−HK$1,569/mo
Today · 4.125%
HK$60,801
baseline
▲ 0.50% · 4.625%
HK$64,006
+HK$3,205/mo
Deposit HK$1.26M · loan HK$11.37M · min. income ≈ HK$121,602/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$473,742 · Scale 2, in force from 26 Feb 2026)