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$28,836
−HK$1,809/mo
▼ 0.25% · 3.875%
HK$29,733
−HK$912/mo
Today · 4.125%
HK$30,645
baseline
▲ 0.50% · 4.625%
HK$32,509
+HK$1,864/mo
Deposit HK$6.32M · loan HK$6.32M · min. income ≈ HK$61,290/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$474,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,080
−HK$1,733/mo
▼ 0.25% · 3.875%
HK$32,941
−HK$872/mo
Today · 4.125%
HK$33,813
baseline
▲ 0.50% · 4.625%
HK$35,596
+HK$1,783/mo
Deposit HK$6.32M · loan HK$6.32M · min. income ≈ HK$67,626/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$474,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,604
−HK$2,170/mo
▼ 0.25% · 3.875%
HK$35,680
−HK$1,094/mo
Today · 4.125%
HK$36,774
baseline
▲ 0.50% · 4.625%
HK$39,011
+HK$2,237/mo
Deposit HK$5.06M · loan HK$7.59M · min. income ≈ HK$73,548/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$474,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,496
−HK$2,080/mo
▼ 0.25% · 3.875%
HK$39,529
−HK$1,047/mo
Today · 4.125%
HK$40,576
baseline
▲ 0.50% · 4.625%
HK$42,715
+HK$2,139/mo
Deposit HK$5.06M · loan HK$7.59M · min. income ≈ HK$81,152/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$474,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,371
−HK$2,532/mo
▼ 0.25% · 3.875%
HK$41,627
−HK$1,276/mo
Today · 4.125%
HK$42,903
baseline
▲ 0.50% · 4.625%
HK$45,513
+HK$2,610/mo
Deposit HK$3.79M · loan HK$8.85M · min. income ≈ HK$85,806/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$474,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,912
−HK$2,427/mo
▼ 0.25% · 3.875%
HK$46,117
−HK$1,222/mo
Today · 4.125%
HK$47,339
baseline
▲ 0.50% · 4.625%
HK$49,834
+HK$2,495/mo
Deposit HK$3.79M · loan HK$8.85M · min. income ≈ HK$94,678/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$474,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,906
−HK$3,254/mo
▼ 0.25% · 3.875%
HK$53,520
−HK$1,640/mo
Today · 4.125%
HK$55,160
baseline
▲ 0.50% · 4.625%
HK$58,517
+HK$3,357/mo
Deposit HK$1.26M · loan HK$11.38M · min. income ≈ HK$110,320/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$474,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,744
−HK$3,120/mo
▼ 0.25% · 3.875%
HK$59,293
−HK$1,571/mo
Today · 4.125%
HK$60,864
baseline
▲ 0.50% · 4.625%
HK$64,072
+HK$3,208/mo
Deposit HK$1.26M · loan HK$11.38M · min. income ≈ HK$121,728/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$474,230 · Scale 2, in force from 26 Feb 2026)