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$28,926
−HK$1,814/mo
▼ 0.25% · 3.875%
HK$29,825
−HK$915/mo
Today · 4.125%
HK$30,740
baseline
▲ 0.50% · 4.625%
HK$32,610
+HK$1,870/mo
Deposit HK$6.34M · loan HK$6.34M · min. income ≈ HK$61,480/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$475,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,180
−HK$1,738/mo
▼ 0.25% · 3.875%
HK$33,043
−HK$875/mo
Today · 4.125%
HK$33,918
baseline
▲ 0.50% · 4.625%
HK$35,706
+HK$1,788/mo
Deposit HK$6.34M · loan HK$6.34M · min. income ≈ HK$67,836/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$475,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,711
−HK$2,177/mo
▼ 0.25% · 3.875%
HK$35,791
−HK$1,097/mo
Today · 4.125%
HK$36,888
baseline
▲ 0.50% · 4.625%
HK$39,132
+HK$2,244/mo
Deposit HK$5.07M · loan HK$7.61M · min. income ≈ HK$73,776/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$475,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,615
−HK$2,087/mo
▼ 0.25% · 3.875%
HK$39,651
−HK$1,051/mo
Today · 4.125%
HK$40,702
baseline
▲ 0.50% · 4.625%
HK$42,847
+HK$2,145/mo
Deposit HK$5.07M · loan HK$7.61M · min. income ≈ HK$81,404/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$475,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,496
−HK$2,539/mo
▼ 0.25% · 3.875%
HK$41,756
−HK$1,279/mo
Today · 4.125%
HK$43,035
baseline
▲ 0.50% · 4.625%
HK$45,654
+HK$2,619/mo
Deposit HK$3.81M · loan HK$8.88M · min. income ≈ HK$86,070/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,051
−HK$2,434/mo
▼ 0.25% · 3.875%
HK$46,260
−HK$1,225/mo
Today · 4.125%
HK$47,485
baseline
▲ 0.50% · 4.625%
HK$49,988
+HK$2,503/mo
Deposit HK$3.81M · loan HK$8.88M · min. income ≈ HK$94,970/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,066
−HK$3,265/mo
▼ 0.25% · 3.875%
HK$53,686
−HK$1,645/mo
Today · 4.125%
HK$55,331
baseline
▲ 0.50% · 4.625%
HK$58,698
+HK$3,367/mo
Deposit HK$1.27M · loan HK$11.42M · min. income ≈ HK$110,662/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$475,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,923
−HK$3,130/mo
▼ 0.25% · 3.875%
HK$59,477
−HK$1,576/mo
Today · 4.125%
HK$61,053
baseline
▲ 0.50% · 4.625%
HK$64,271
+HK$3,218/mo
Deposit HK$1.27M · loan HK$11.42M · min. income ≈ HK$122,106/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$475,699 · Scale 2, in force from 26 Feb 2026)