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$28,767
−HK$1,804/mo
▼ 0.25% · 3.875%
HK$29,662
−HK$909/mo
Today · 4.125%
HK$30,571
baseline
▲ 0.50% · 4.625%
HK$32,431
+HK$1,860/mo
Deposit HK$6.31M · loan HK$6.31M · min. income ≈ HK$61,142/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$473,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,003
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$32,862
−HK$870/mo
Today · 4.125%
HK$33,732
baseline
▲ 0.50% · 4.625%
HK$35,510
+HK$1,778/mo
Deposit HK$6.31M · loan HK$6.31M · min. income ≈ HK$67,464/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$473,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,521
−HK$2,164/mo
▼ 0.25% · 3.875%
HK$35,594
−HK$1,091/mo
Today · 4.125%
HK$36,685
baseline
▲ 0.50% · 4.625%
HK$38,918
+HK$2,233/mo
Deposit HK$5.05M · loan HK$7.57M · min. income ≈ HK$73,370/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$473,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,404
−HK$2,075/mo
▼ 0.25% · 3.875%
HK$39,434
−HK$1,045/mo
Today · 4.125%
HK$40,479
baseline
▲ 0.50% · 4.625%
HK$42,612
+HK$2,133/mo
Deposit HK$5.05M · loan HK$7.57M · min. income ≈ HK$80,958/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$473,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,274
−HK$2,526/mo
▼ 0.25% · 3.875%
HK$41,527
−HK$1,273/mo
Today · 4.125%
HK$42,800
baseline
▲ 0.50% · 4.625%
HK$45,404
+HK$2,604/mo
Deposit HK$3.78M · loan HK$8.83M · min. income ≈ HK$85,600/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$473,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,805
−HK$2,420/mo
▼ 0.25% · 3.875%
HK$46,006
−HK$1,219/mo
Today · 4.125%
HK$47,225
baseline
▲ 0.50% · 4.625%
HK$49,715
+HK$2,490/mo
Deposit HK$3.78M · loan HK$8.83M · min. income ≈ HK$94,450/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$473,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,781
−HK$3,247/mo
▼ 0.25% · 3.875%
HK$53,392
−HK$1,636/mo
Today · 4.125%
HK$55,028
baseline
▲ 0.50% · 4.625%
HK$58,376
+HK$3,348/mo
Deposit HK$1.26M · loan HK$11.35M · min. income ≈ HK$110,056/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$473,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,606
−HK$3,112/mo
▼ 0.25% · 3.875%
HK$59,151
−HK$1,567/mo
Today · 4.125%
HK$60,718
baseline
▲ 0.50% · 4.625%
HK$63,919
+HK$3,201/mo
Deposit HK$1.26M · loan HK$11.35M · min. income ≈ HK$121,436/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$473,093 · Scale 2, in force from 26 Feb 2026)