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$28,804
−HK$1,806/mo
▼ 0.25% · 3.875%
HK$29,700
−HK$910/mo
Today · 4.125%
HK$30,610
baseline
▲ 0.50% · 4.625%
HK$32,473
+HK$1,863/mo
Deposit HK$6.32M · loan HK$6.32M · min. income ≈ HK$61,220/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$473,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,044
−HK$1,732/mo
▼ 0.25% · 3.875%
HK$32,904
−HK$872/mo
Today · 4.125%
HK$33,776
baseline
▲ 0.50% · 4.625%
HK$35,556
+HK$1,780/mo
Deposit HK$6.32M · loan HK$6.32M · min. income ≈ HK$67,552/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$473,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,565
−HK$2,167/mo
▼ 0.25% · 3.875%
HK$35,640
−HK$1,092/mo
Today · 4.125%
HK$36,732
baseline
▲ 0.50% · 4.625%
HK$38,968
+HK$2,236/mo
Deposit HK$5.05M · loan HK$7.58M · min. income ≈ HK$73,464/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$473,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,453
−HK$2,078/mo
▼ 0.25% · 3.875%
HK$39,484
−HK$1,047/mo
Today · 4.125%
HK$40,531
baseline
▲ 0.50% · 4.625%
HK$42,667
+HK$2,136/mo
Deposit HK$5.05M · loan HK$7.58M · min. income ≈ HK$81,062/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$473,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,326
−HK$2,529/mo
▼ 0.25% · 3.875%
HK$41,580
−HK$1,275/mo
Today · 4.125%
HK$42,855
baseline
▲ 0.50% · 4.625%
HK$45,462
+HK$2,607/mo
Deposit HK$3.79M · loan HK$8.84M · min. income ≈ HK$85,710/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$473,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,862
−HK$2,424/mo
▼ 0.25% · 3.875%
HK$46,065
−HK$1,221/mo
Today · 4.125%
HK$47,286
baseline
▲ 0.50% · 4.625%
HK$49,778
+HK$2,492/mo
Deposit HK$3.79M · loan HK$8.84M · min. income ≈ HK$94,572/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$473,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,847
−HK$3,252/mo
▼ 0.25% · 3.875%
HK$53,460
−HK$1,639/mo
Today · 4.125%
HK$55,099
baseline
▲ 0.50% · 4.625%
HK$58,451
+HK$3,352/mo
Deposit HK$1.26M · loan HK$11.37M · min. income ≈ HK$110,198/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$473,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,680
−HK$3,116/mo
▼ 0.25% · 3.875%
HK$59,227
−HK$1,569/mo
Today · 4.125%
HK$60,796
baseline
▲ 0.50% · 4.625%
HK$64,001
+HK$3,205/mo
Deposit HK$1.26M · loan HK$11.37M · min. income ≈ HK$121,592/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$473,699 · Scale 2, in force from 26 Feb 2026)