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$28,904
−HK$1,812/mo
▼ 0.25% · 3.875%
HK$29,803
−HK$913/mo
Today · 4.125%
HK$30,716
baseline
▲ 0.50% · 4.625%
HK$32,585
+HK$1,869/mo
Deposit HK$6.34M · loan HK$6.34M · min. income ≈ HK$61,432/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$475,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,155
−HK$1,738/mo
▼ 0.25% · 3.875%
HK$33,018
−HK$875/mo
Today · 4.125%
HK$33,893
baseline
▲ 0.50% · 4.625%
HK$35,679
+HK$1,786/mo
Deposit HK$6.34M · loan HK$6.34M · min. income ≈ HK$67,786/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$475,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,685
−HK$2,175/mo
▼ 0.25% · 3.875%
HK$35,764
−HK$1,096/mo
Today · 4.125%
HK$36,860
baseline
▲ 0.50% · 4.625%
HK$39,103
+HK$2,243/mo
Deposit HK$5.07M · loan HK$7.61M · min. income ≈ HK$73,720/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$475,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,586
−HK$2,085/mo
▼ 0.25% · 3.875%
HK$39,621
−HK$1,050/mo
Today · 4.125%
HK$40,671
baseline
▲ 0.50% · 4.625%
HK$42,815
+HK$2,144/mo
Deposit HK$5.07M · loan HK$7.61M · min. income ≈ HK$81,342/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$475,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,465
−HK$2,538/mo
▼ 0.25% · 3.875%
HK$41,724
−HK$1,279/mo
Today · 4.125%
HK$43,003
baseline
▲ 0.50% · 4.625%
HK$45,620
+HK$2,617/mo
Deposit HK$3.80M · loan HK$8.87M · min. income ≈ HK$86,006/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,017
−HK$2,433/mo
▼ 0.25% · 3.875%
HK$46,225
−HK$1,225/mo
Today · 4.125%
HK$47,450
baseline
▲ 0.50% · 4.625%
HK$49,951
+HK$2,501/mo
Deposit HK$3.80M · loan HK$8.87M · min. income ≈ HK$94,900/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,027
−HK$3,263/mo
▼ 0.25% · 3.875%
HK$53,645
−HK$1,645/mo
Today · 4.125%
HK$55,290
baseline
▲ 0.50% · 4.625%
HK$58,654
+HK$3,364/mo
Deposit HK$1.27M · loan HK$11.41M · min. income ≈ HK$110,580/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$475,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,880
−HK$3,127/mo
▼ 0.25% · 3.875%
HK$59,432
−HK$1,575/mo
Today · 4.125%
HK$61,007
baseline
▲ 0.50% · 4.625%
HK$64,222
+HK$3,215/mo
Deposit HK$1.27M · loan HK$11.41M · min. income ≈ HK$122,014/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$475,340 · Scale 2, in force from 26 Feb 2026)