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$28,770
−HK$1,804/mo
▼ 0.25% · 3.875%
HK$29,664
−HK$910/mo
Today · 4.125%
HK$30,574
baseline
▲ 0.50% · 4.625%
HK$32,434
+HK$1,860/mo
Deposit HK$6.31M · loan HK$6.31M · min. income ≈ HK$61,148/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$473,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,006
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$32,864
−HK$871/mo
Today · 4.125%
HK$33,735
baseline
▲ 0.50% · 4.625%
HK$35,513
+HK$1,778/mo
Deposit HK$6.31M · loan HK$6.31M · min. income ≈ HK$67,470/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$473,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,523
−HK$2,165/mo
▼ 0.25% · 3.875%
HK$35,597
−HK$1,091/mo
Today · 4.125%
HK$36,688
baseline
▲ 0.50% · 4.625%
HK$38,921
+HK$2,233/mo
Deposit HK$5.05M · loan HK$7.57M · min. income ≈ HK$73,376/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$473,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,407
−HK$2,075/mo
▼ 0.25% · 3.875%
HK$39,437
−HK$1,045/mo
Today · 4.125%
HK$40,482
baseline
▲ 0.50% · 4.625%
HK$42,616
+HK$2,134/mo
Deposit HK$5.05M · loan HK$7.57M · min. income ≈ HK$80,964/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$473,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,277
−HK$2,526/mo
▼ 0.25% · 3.875%
HK$41,530
−HK$1,273/mo
Today · 4.125%
HK$42,803
baseline
▲ 0.50% · 4.625%
HK$45,408
+HK$2,605/mo
Deposit HK$3.79M · loan HK$8.83M · min. income ≈ HK$85,606/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$473,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,808
−HK$2,421/mo
▼ 0.25% · 3.875%
HK$46,010
−HK$1,219/mo
Today · 4.125%
HK$47,229
baseline
▲ 0.50% · 4.625%
HK$49,718
+HK$2,489/mo
Deposit HK$3.79M · loan HK$8.83M · min. income ≈ HK$94,458/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$473,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,785
−HK$3,248/mo
▼ 0.25% · 3.875%
HK$53,396
−HK$1,637/mo
Today · 4.125%
HK$55,033
baseline
▲ 0.50% · 4.625%
HK$58,381
+HK$3,348/mo
Deposit HK$1.26M · loan HK$11.36M · min. income ≈ HK$110,066/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$473,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,610
−HK$3,113/mo
▼ 0.25% · 3.875%
HK$59,156
−HK$1,567/mo
Today · 4.125%
HK$60,723
baseline
▲ 0.50% · 4.625%
HK$63,924
+HK$3,201/mo
Deposit HK$1.26M · loan HK$11.36M · min. income ≈ HK$121,446/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$473,130 · Scale 2, in force from 26 Feb 2026)