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$28,785
−HK$1,806/mo
▼ 0.25% · 3.875%
HK$29,681
−HK$910/mo
Today · 4.125%
HK$30,591
baseline
▲ 0.50% · 4.625%
HK$32,452
+HK$1,861/mo
Deposit HK$6.31M · loan HK$6.31M · min. income ≈ HK$61,182/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$473,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,024
−HK$1,730/mo
▼ 0.25% · 3.875%
HK$32,882
−HK$872/mo
Today · 4.125%
HK$33,754
baseline
▲ 0.50% · 4.625%
HK$35,533
+HK$1,779/mo
Deposit HK$6.31M · loan HK$6.31M · min. income ≈ HK$67,508/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$473,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,543
−HK$2,166/mo
▼ 0.25% · 3.875%
HK$35,617
−HK$1,092/mo
Today · 4.125%
HK$36,709
baseline
▲ 0.50% · 4.625%
HK$38,942
+HK$2,233/mo
Deposit HK$5.05M · loan HK$7.57M · min. income ≈ HK$73,418/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$473,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,428
−HK$2,076/mo
▼ 0.25% · 3.875%
HK$39,459
−HK$1,045/mo
Today · 4.125%
HK$40,504
baseline
▲ 0.50% · 4.625%
HK$42,639
+HK$2,135/mo
Deposit HK$5.05M · loan HK$7.57M · min. income ≈ HK$81,008/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$473,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,300
−HK$2,527/mo
▼ 0.25% · 3.875%
HK$41,553
−HK$1,274/mo
Today · 4.125%
HK$42,827
baseline
▲ 0.50% · 4.625%
HK$45,433
+HK$2,606/mo
Deposit HK$3.79M · loan HK$8.84M · min. income ≈ HK$85,654/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$473,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,833
−HK$2,422/mo
▼ 0.25% · 3.875%
HK$46,035
−HK$1,220/mo
Today · 4.125%
HK$47,255
baseline
▲ 0.50% · 4.625%
HK$49,746
+HK$2,491/mo
Deposit HK$3.79M · loan HK$8.84M · min. income ≈ HK$94,510/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$473,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,814
−HK$3,249/mo
▼ 0.25% · 3.875%
HK$53,426
−HK$1,637/mo
Today · 4.125%
HK$55,063
baseline
▲ 0.50% · 4.625%
HK$58,413
+HK$3,350/mo
Deposit HK$1.26M · loan HK$11.36M · min. income ≈ HK$110,126/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$473,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,642
−HK$3,115/mo
▼ 0.25% · 3.875%
HK$59,188
−HK$1,569/mo
Today · 4.125%
HK$60,757
baseline
▲ 0.50% · 4.625%
HK$63,959
+HK$3,202/mo
Deposit HK$1.26M · loan HK$11.36M · min. income ≈ HK$121,514/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$473,392 · Scale 2, in force from 26 Feb 2026)