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$28,834
−HK$1,808/mo
▼ 0.25% · 3.875%
HK$29,731
−HK$911/mo
Today · 4.125%
HK$30,642
baseline
▲ 0.50% · 4.625%
HK$32,507
+HK$1,865/mo
Deposit HK$6.32M · loan HK$6.32M · min. income ≈ HK$61,284/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$474,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,078
−HK$1,733/mo
▼ 0.25% · 3.875%
HK$32,938
−HK$873/mo
Today · 4.125%
HK$33,811
baseline
▲ 0.50% · 4.625%
HK$35,593
+HK$1,782/mo
Deposit HK$6.32M · loan HK$6.32M · min. income ≈ HK$67,622/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$474,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,601
−HK$2,170/mo
▼ 0.25% · 3.875%
HK$35,677
−HK$1,094/mo
Today · 4.125%
HK$36,771
baseline
▲ 0.50% · 4.625%
HK$39,008
+HK$2,237/mo
Deposit HK$5.06M · loan HK$7.59M · min. income ≈ HK$73,542/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$474,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,493
−HK$2,080/mo
▼ 0.25% · 3.875%
HK$39,525
−HK$1,048/mo
Today · 4.125%
HK$40,573
baseline
▲ 0.50% · 4.625%
HK$42,711
+HK$2,138/mo
Deposit HK$5.06M · loan HK$7.59M · min. income ≈ HK$81,146/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$474,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,368
−HK$2,531/mo
▼ 0.25% · 3.875%
HK$41,623
−HK$1,276/mo
Today · 4.125%
HK$42,899
baseline
▲ 0.50% · 4.625%
HK$45,509
+HK$2,610/mo
Deposit HK$3.79M · loan HK$8.85M · min. income ≈ HK$85,798/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$474,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,909
−HK$2,426/mo
▼ 0.25% · 3.875%
HK$46,113
−HK$1,222/mo
Today · 4.125%
HK$47,335
baseline
▲ 0.50% · 4.625%
HK$49,830
+HK$2,495/mo
Deposit HK$3.79M · loan HK$8.85M · min. income ≈ HK$94,670/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$474,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,901
−HK$3,255/mo
▼ 0.25% · 3.875%
HK$53,516
−HK$1,640/mo
Today · 4.125%
HK$55,156
baseline
▲ 0.50% · 4.625%
HK$58,512
+HK$3,356/mo
Deposit HK$1.26M · loan HK$11.38M · min. income ≈ HK$110,312/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$474,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,740
−HK$3,119/mo
▼ 0.25% · 3.875%
HK$59,288
−HK$1,571/mo
Today · 4.125%
HK$60,859
baseline
▲ 0.50% · 4.625%
HK$64,067
+HK$3,208/mo
Deposit HK$1.26M · loan HK$11.38M · min. income ≈ HK$121,718/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$474,191 · Scale 2, in force from 26 Feb 2026)