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$28,873
−HK$1,811/mo
▼ 0.25% · 3.875%
HK$29,772
−HK$912/mo
Today · 4.125%
HK$30,684
baseline
▲ 0.50% · 4.625%
HK$32,551
+HK$1,867/mo
Deposit HK$6.33M · loan HK$6.33M · min. income ≈ HK$61,368/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$474,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,121
−HK$1,736/mo
▼ 0.25% · 3.875%
HK$32,983
−HK$874/mo
Today · 4.125%
HK$33,857
baseline
▲ 0.50% · 4.625%
HK$35,641
+HK$1,784/mo
Deposit HK$6.33M · loan HK$6.33M · min. income ≈ HK$67,714/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$474,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,648
−HK$2,173/mo
▼ 0.25% · 3.875%
HK$35,726
−HK$1,095/mo
Today · 4.125%
HK$36,821
baseline
▲ 0.50% · 4.625%
HK$39,061
+HK$2,240/mo
Deposit HK$5.06M · loan HK$7.60M · min. income ≈ HK$73,642/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$474,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,546
−HK$2,082/mo
▼ 0.25% · 3.875%
HK$39,579
−HK$1,049/mo
Today · 4.125%
HK$40,628
baseline
▲ 0.50% · 4.625%
HK$42,770
+HK$2,142/mo
Deposit HK$5.06M · loan HK$7.60M · min. income ≈ HK$81,256/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$474,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,423
−HK$2,535/mo
▼ 0.25% · 3.875%
HK$41,680
−HK$1,278/mo
Today · 4.125%
HK$42,958
baseline
▲ 0.50% · 4.625%
HK$45,572
+HK$2,614/mo
Deposit HK$3.80M · loan HK$8.86M · min. income ≈ HK$85,916/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$474,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,970
−HK$2,430/mo
▼ 0.25% · 3.875%
HK$46,176
−HK$1,224/mo
Today · 4.125%
HK$47,400
baseline
▲ 0.50% · 4.625%
HK$49,898
+HK$2,498/mo
Deposit HK$3.80M · loan HK$8.86M · min. income ≈ HK$94,800/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$474,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,972
−HK$3,259/mo
▼ 0.25% · 3.875%
HK$53,589
−HK$1,642/mo
Today · 4.125%
HK$55,231
baseline
▲ 0.50% · 4.625%
HK$58,592
+HK$3,361/mo
Deposit HK$1.27M · loan HK$11.40M · min. income ≈ HK$110,462/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$474,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,819
−HK$3,123/mo
▼ 0.25% · 3.875%
HK$59,369
−HK$1,573/mo
Today · 4.125%
HK$60,942
baseline
▲ 0.50% · 4.625%
HK$64,155
+HK$3,213/mo
Deposit HK$1.27M · loan HK$11.40M · min. income ≈ HK$121,884/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$474,839 · Scale 2, in force from 26 Feb 2026)