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$28,792
−HK$1,806/mo
▼ 0.25% · 3.875%
HK$29,688
−HK$910/mo
Today · 4.125%
HK$30,598
baseline
▲ 0.50% · 4.625%
HK$32,459
+HK$1,861/mo
Deposit HK$6.31M · loan HK$6.31M · min. income ≈ HK$61,196/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$473,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,031
−HK$1,730/mo
▼ 0.25% · 3.875%
HK$32,890
−HK$871/mo
Today · 4.125%
HK$33,761
baseline
▲ 0.50% · 4.625%
HK$35,541
+HK$1,780/mo
Deposit HK$6.31M · loan HK$6.31M · min. income ≈ HK$67,522/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$473,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,551
−HK$2,166/mo
▼ 0.25% · 3.875%
HK$35,625
−HK$1,092/mo
Today · 4.125%
HK$36,717
baseline
▲ 0.50% · 4.625%
HK$38,951
+HK$2,234/mo
Deposit HK$5.05M · loan HK$7.58M · min. income ≈ HK$73,434/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$473,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,437
−HK$2,077/mo
▼ 0.25% · 3.875%
HK$39,468
−HK$1,046/mo
Today · 4.125%
HK$40,514
baseline
▲ 0.50% · 4.625%
HK$42,649
+HK$2,135/mo
Deposit HK$5.05M · loan HK$7.58M · min. income ≈ HK$81,028/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$473,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,309
−HK$2,528/mo
▼ 0.25% · 3.875%
HK$41,563
−HK$1,274/mo
Today · 4.125%
HK$42,837
baseline
▲ 0.50% · 4.625%
HK$45,443
+HK$2,606/mo
Deposit HK$3.79M · loan HK$8.84M · min. income ≈ HK$85,674/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$473,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,843
−HK$2,423/mo
▼ 0.25% · 3.875%
HK$46,046
−HK$1,220/mo
Today · 4.125%
HK$47,266
baseline
▲ 0.50% · 4.625%
HK$49,757
+HK$2,491/mo
Deposit HK$3.79M · loan HK$8.84M · min. income ≈ HK$94,532/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$473,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,826
−HK$3,250/mo
▼ 0.25% · 3.875%
HK$53,438
−HK$1,638/mo
Today · 4.125%
HK$55,076
baseline
▲ 0.50% · 4.625%
HK$58,427
+HK$3,351/mo
Deposit HK$1.26M · loan HK$11.36M · min. income ≈ HK$110,152/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$473,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,656
−HK$3,115/mo
▼ 0.25% · 3.875%
HK$59,202
−HK$1,569/mo
Today · 4.125%
HK$60,771
baseline
▲ 0.50% · 4.625%
HK$63,974
+HK$3,203/mo
Deposit HK$1.26M · loan HK$11.36M · min. income ≈ HK$121,542/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$473,501 · Scale 2, in force from 26 Feb 2026)