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$28,924
−HK$1,813/mo
▼ 0.25% · 3.875%
HK$29,823
−HK$914/mo
Today · 4.125%
HK$30,737
baseline
▲ 0.50% · 4.625%
HK$32,608
+HK$1,871/mo
Deposit HK$6.34M · loan HK$6.34M · min. income ≈ HK$61,474/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$475,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,177
−HK$1,739/mo
▼ 0.25% · 3.875%
HK$33,040
−HK$876/mo
Today · 4.125%
HK$33,916
baseline
▲ 0.50% · 4.625%
HK$35,703
+HK$1,787/mo
Deposit HK$6.34M · loan HK$6.34M · min. income ≈ HK$67,832/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$475,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,708
−HK$2,177/mo
▼ 0.25% · 3.875%
HK$35,788
−HK$1,097/mo
Today · 4.125%
HK$36,885
baseline
▲ 0.50% · 4.625%
HK$39,129
+HK$2,244/mo
Deposit HK$5.07M · loan HK$7.61M · min. income ≈ HK$73,770/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$475,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,613
−HK$2,086/mo
▼ 0.25% · 3.875%
HK$39,648
−HK$1,051/mo
Today · 4.125%
HK$40,699
baseline
▲ 0.50% · 4.625%
HK$42,844
+HK$2,145/mo
Deposit HK$5.07M · loan HK$7.61M · min. income ≈ HK$81,398/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$475,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,493
−HK$2,539/mo
▼ 0.25% · 3.875%
HK$41,753
−HK$1,279/mo
Today · 4.125%
HK$43,032
baseline
▲ 0.50% · 4.625%
HK$45,651
+HK$2,619/mo
Deposit HK$3.81M · loan HK$8.88M · min. income ≈ HK$86,064/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,048
−HK$2,434/mo
▼ 0.25% · 3.875%
HK$46,256
−HK$1,226/mo
Today · 4.125%
HK$47,482
baseline
▲ 0.50% · 4.625%
HK$49,985
+HK$2,503/mo
Deposit HK$3.81M · loan HK$8.88M · min. income ≈ HK$94,964/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,063
−HK$3,264/mo
▼ 0.25% · 3.875%
HK$53,682
−HK$1,645/mo
Today · 4.125%
HK$55,327
baseline
▲ 0.50% · 4.625%
HK$58,694
+HK$3,367/mo
Deposit HK$1.27M · loan HK$11.42M · min. income ≈ HK$110,654/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$475,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,919
−HK$3,129/mo
▼ 0.25% · 3.875%
HK$59,472
−HK$1,576/mo
Today · 4.125%
HK$61,048
baseline
▲ 0.50% · 4.625%
HK$64,266
+HK$3,218/mo
Deposit HK$1.27M · loan HK$11.42M · min. income ≈ HK$122,096/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$475,664 · Scale 2, in force from 26 Feb 2026)