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$28,898
−HK$1,812/mo
▼ 0.25% · 3.875%
HK$29,797
−HK$913/mo
Today · 4.125%
HK$30,710
baseline
▲ 0.50% · 4.625%
HK$32,578
+HK$1,868/mo
Deposit HK$6.34M · loan HK$6.34M · min. income ≈ HK$61,420/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$475,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,148
−HK$1,737/mo
▼ 0.25% · 3.875%
HK$33,011
−HK$874/mo
Today · 4.125%
HK$33,885
baseline
▲ 0.50% · 4.625%
HK$35,671
+HK$1,786/mo
Deposit HK$6.34M · loan HK$6.34M · min. income ≈ HK$67,770/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$475,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,677
−HK$2,175/mo
▼ 0.25% · 3.875%
HK$35,756
−HK$1,096/mo
Today · 4.125%
HK$36,852
baseline
▲ 0.50% · 4.625%
HK$39,094
+HK$2,242/mo
Deposit HK$5.07M · loan HK$7.60M · min. income ≈ HK$73,704/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$475,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,578
−HK$2,084/mo
▼ 0.25% · 3.875%
HK$39,613
−HK$1,049/mo
Today · 4.125%
HK$40,662
baseline
▲ 0.50% · 4.625%
HK$42,806
+HK$2,144/mo
Deposit HK$5.07M · loan HK$7.60M · min. income ≈ HK$81,324/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$475,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,457
−HK$2,537/mo
▼ 0.25% · 3.875%
HK$41,715
−HK$1,279/mo
Today · 4.125%
HK$42,994
baseline
▲ 0.50% · 4.625%
HK$45,610
+HK$2,616/mo
Deposit HK$3.80M · loan HK$8.87M · min. income ≈ HK$85,988/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,008
−HK$2,431/mo
▼ 0.25% · 3.875%
HK$46,215
−HK$1,224/mo
Today · 4.125%
HK$47,439
baseline
▲ 0.50% · 4.625%
HK$49,940
+HK$2,501/mo
Deposit HK$3.80M · loan HK$8.87M · min. income ≈ HK$94,878/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,016
−HK$3,262/mo
▼ 0.25% · 3.875%
HK$53,634
−HK$1,644/mo
Today · 4.125%
HK$55,278
baseline
▲ 0.50% · 4.625%
HK$58,641
+HK$3,363/mo
Deposit HK$1.27M · loan HK$11.41M · min. income ≈ HK$110,556/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$475,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,867
−HK$3,126/mo
▼ 0.25% · 3.875%
HK$59,419
−HK$1,574/mo
Today · 4.125%
HK$60,993
baseline
▲ 0.50% · 4.625%
HK$64,208
+HK$3,215/mo
Deposit HK$1.27M · loan HK$11.41M · min. income ≈ HK$121,986/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$475,237 · Scale 2, in force from 26 Feb 2026)