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$28,791
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$29,686
−HK$910/mo
Today · 4.125%
HK$30,596
baseline
▲ 0.50% · 4.625%
HK$32,458
+HK$1,862/mo
Deposit HK$6.31M · loan HK$6.31M · min. income ≈ HK$61,192/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$473,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,030
−HK$1,730/mo
▼ 0.25% · 3.875%
HK$32,889
−HK$871/mo
Today · 4.125%
HK$33,760
baseline
▲ 0.50% · 4.625%
HK$35,540
+HK$1,780/mo
Deposit HK$6.31M · loan HK$6.31M · min. income ≈ HK$67,520/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$473,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,549
−HK$2,167/mo
▼ 0.25% · 3.875%
HK$35,624
−HK$1,092/mo
Today · 4.125%
HK$36,716
baseline
▲ 0.50% · 4.625%
HK$38,950
+HK$2,234/mo
Deposit HK$5.05M · loan HK$7.58M · min. income ≈ HK$73,432/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$473,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,435
−HK$2,077/mo
▼ 0.25% · 3.875%
HK$39,466
−HK$1,046/mo
Today · 4.125%
HK$40,512
baseline
▲ 0.50% · 4.625%
HK$42,647
+HK$2,135/mo
Deposit HK$5.05M · loan HK$7.58M · min. income ≈ HK$81,024/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$473,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,307
−HK$2,528/mo
▼ 0.25% · 3.875%
HK$41,561
−HK$1,274/mo
Today · 4.125%
HK$42,835
baseline
▲ 0.50% · 4.625%
HK$45,441
+HK$2,606/mo
Deposit HK$3.79M · loan HK$8.84M · min. income ≈ HK$85,670/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$473,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,841
−HK$2,423/mo
▼ 0.25% · 3.875%
HK$46,044
−HK$1,220/mo
Today · 4.125%
HK$47,264
baseline
▲ 0.50% · 4.625%
HK$49,755
+HK$2,491/mo
Deposit HK$3.79M · loan HK$8.84M · min. income ≈ HK$94,528/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$473,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,824
−HK$3,249/mo
▼ 0.25% · 3.875%
HK$53,436
−HK$1,637/mo
Today · 4.125%
HK$55,073
baseline
▲ 0.50% · 4.625%
HK$58,424
+HK$3,351/mo
Deposit HK$1.26M · loan HK$11.36M · min. income ≈ HK$110,146/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$473,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,653
−HK$3,115/mo
▼ 0.25% · 3.875%
HK$59,199
−HK$1,569/mo
Today · 4.125%
HK$60,768
baseline
▲ 0.50% · 4.625%
HK$63,971
+HK$3,203/mo
Deposit HK$1.26M · loan HK$11.36M · min. income ≈ HK$121,536/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$473,481 · Scale 2, in force from 26 Feb 2026)