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$28,855
−HK$1,810/mo
▼ 0.25% · 3.875%
HK$29,753
−HK$912/mo
Today · 4.125%
HK$30,665
baseline
▲ 0.50% · 4.625%
HK$32,531
+HK$1,866/mo
Deposit HK$6.33M · loan HK$6.33M · min. income ≈ HK$61,330/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$474,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,101
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$32,962
−HK$873/mo
Today · 4.125%
HK$33,835
baseline
▲ 0.50% · 4.625%
HK$35,619
+HK$1,784/mo
Deposit HK$6.33M · loan HK$6.33M · min. income ≈ HK$67,670/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$474,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,626
−HK$2,172/mo
▼ 0.25% · 3.875%
HK$35,703
−HK$1,095/mo
Today · 4.125%
HK$36,798
baseline
▲ 0.50% · 4.625%
HK$39,037
+HK$2,239/mo
Deposit HK$5.06M · loan HK$7.59M · min. income ≈ HK$73,596/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$474,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,521
−HK$2,082/mo
▼ 0.25% · 3.875%
HK$39,555
−HK$1,048/mo
Today · 4.125%
HK$40,603
baseline
▲ 0.50% · 4.625%
HK$42,743
+HK$2,140/mo
Deposit HK$5.06M · loan HK$7.59M · min. income ≈ HK$81,206/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$474,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,397
−HK$2,534/mo
▼ 0.25% · 3.875%
HK$41,654
−HK$1,277/mo
Today · 4.125%
HK$42,931
baseline
▲ 0.50% · 4.625%
HK$45,543
+HK$2,612/mo
Deposit HK$3.80M · loan HK$8.86M · min. income ≈ HK$85,862/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$474,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,942
−HK$2,428/mo
▼ 0.25% · 3.875%
HK$46,147
−HK$1,223/mo
Today · 4.125%
HK$47,370
baseline
▲ 0.50% · 4.625%
HK$49,867
+HK$2,497/mo
Deposit HK$3.80M · loan HK$8.86M · min. income ≈ HK$94,740/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$474,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,939
−HK$3,257/mo
▼ 0.25% · 3.875%
HK$53,555
−HK$1,641/mo
Today · 4.125%
HK$55,196
baseline
▲ 0.50% · 4.625%
HK$58,555
+HK$3,359/mo
Deposit HK$1.27M · loan HK$11.39M · min. income ≈ HK$110,392/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$474,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,782
−HK$3,122/mo
▼ 0.25% · 3.875%
HK$59,332
−HK$1,572/mo
Today · 4.125%
HK$60,904
baseline
▲ 0.50% · 4.625%
HK$64,114
+HK$3,210/mo
Deposit HK$1.27M · loan HK$11.39M · min. income ≈ HK$121,808/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$474,540 · Scale 2, in force from 26 Feb 2026)