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$28,868
−HK$1,811/mo
▼ 0.25% · 3.875%
HK$29,766
−HK$913/mo
Today · 4.125%
HK$30,679
baseline
▲ 0.50% · 4.625%
HK$32,545
+HK$1,866/mo
Deposit HK$6.33M · loan HK$6.33M · min. income ≈ HK$61,358/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$474,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,116
−HK$1,735/mo
▼ 0.25% · 3.875%
HK$32,977
−HK$874/mo
Today · 4.125%
HK$33,851
baseline
▲ 0.50% · 4.625%
HK$35,635
+HK$1,784/mo
Deposit HK$6.33M · loan HK$6.33M · min. income ≈ HK$67,702/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$474,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,642
−HK$2,172/mo
▼ 0.25% · 3.875%
HK$35,720
−HK$1,094/mo
Today · 4.125%
HK$36,814
baseline
▲ 0.50% · 4.625%
HK$39,054
+HK$2,240/mo
Deposit HK$5.06M · loan HK$7.60M · min. income ≈ HK$73,628/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$474,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,539
−HK$2,082/mo
▼ 0.25% · 3.875%
HK$39,573
−HK$1,048/mo
Today · 4.125%
HK$40,621
baseline
▲ 0.50% · 4.625%
HK$42,762
+HK$2,141/mo
Deposit HK$5.06M · loan HK$7.60M · min. income ≈ HK$81,242/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$474,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,416
−HK$2,534/mo
▼ 0.25% · 3.875%
HK$41,673
−HK$1,277/mo
Today · 4.125%
HK$42,950
baseline
▲ 0.50% · 4.625%
HK$45,564
+HK$2,614/mo
Deposit HK$3.80M · loan HK$8.86M · min. income ≈ HK$85,900/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$474,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,962
−HK$2,429/mo
▼ 0.25% · 3.875%
HK$46,168
−HK$1,223/mo
Today · 4.125%
HK$47,391
baseline
▲ 0.50% · 4.625%
HK$49,889
+HK$2,498/mo
Deposit HK$3.80M · loan HK$8.86M · min. income ≈ HK$94,782/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$474,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,963
−HK$3,259/mo
▼ 0.25% · 3.875%
HK$53,579
−HK$1,643/mo
Today · 4.125%
HK$55,222
baseline
▲ 0.50% · 4.625%
HK$58,582
+HK$3,360/mo
Deposit HK$1.27M · loan HK$11.39M · min. income ≈ HK$110,444/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$474,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,808
−HK$3,124/mo
▼ 0.25% · 3.875%
HK$59,359
−HK$1,573/mo
Today · 4.125%
HK$60,932
baseline
▲ 0.50% · 4.625%
HK$64,143
+HK$3,211/mo
Deposit HK$1.27M · loan HK$11.39M · min. income ≈ HK$121,864/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$474,756 · Scale 2, in force from 26 Feb 2026)