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$28,900
−HK$1,812/mo
▼ 0.25% · 3.875%
HK$29,799
−HK$913/mo
Today · 4.125%
HK$30,712
baseline
▲ 0.50% · 4.625%
HK$32,581
+HK$1,869/mo
Deposit HK$6.34M · loan HK$6.34M · min. income ≈ HK$61,424/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$475,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,151
−HK$1,737/mo
▼ 0.25% · 3.875%
HK$33,013
−HK$875/mo
Today · 4.125%
HK$33,888
baseline
▲ 0.50% · 4.625%
HK$35,674
+HK$1,786/mo
Deposit HK$6.34M · loan HK$6.34M · min. income ≈ HK$67,776/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$475,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,680
−HK$2,175/mo
▼ 0.25% · 3.875%
HK$35,759
−HK$1,096/mo
Today · 4.125%
HK$36,855
baseline
▲ 0.50% · 4.625%
HK$39,097
+HK$2,242/mo
Deposit HK$5.07M · loan HK$7.60M · min. income ≈ HK$73,710/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$475,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,581
−HK$2,085/mo
▼ 0.25% · 3.875%
HK$39,616
−HK$1,050/mo
Today · 4.125%
HK$40,666
baseline
▲ 0.50% · 4.625%
HK$42,809
+HK$2,143/mo
Deposit HK$5.07M · loan HK$7.60M · min. income ≈ HK$81,332/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$475,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,460
−HK$2,537/mo
▼ 0.25% · 3.875%
HK$41,719
−HK$1,278/mo
Today · 4.125%
HK$42,997
baseline
▲ 0.50% · 4.625%
HK$45,613
+HK$2,616/mo
Deposit HK$3.80M · loan HK$8.87M · min. income ≈ HK$85,994/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,011
−HK$2,432/mo
▼ 0.25% · 3.875%
HK$46,218
−HK$1,225/mo
Today · 4.125%
HK$47,443
baseline
▲ 0.50% · 4.625%
HK$49,944
+HK$2,501/mo
Deposit HK$3.80M · loan HK$8.87M · min. income ≈ HK$94,886/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,020
−HK$3,262/mo
▼ 0.25% · 3.875%
HK$53,638
−HK$1,644/mo
Today · 4.125%
HK$55,282
baseline
▲ 0.50% · 4.625%
HK$58,646
+HK$3,364/mo
Deposit HK$1.27M · loan HK$11.41M · min. income ≈ HK$110,564/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$475,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,872
−HK$3,126/mo
▼ 0.25% · 3.875%
HK$59,424
−HK$1,574/mo
Today · 4.125%
HK$60,998
baseline
▲ 0.50% · 4.625%
HK$64,214
+HK$3,216/mo
Deposit HK$1.27M · loan HK$11.41M · min. income ≈ HK$121,996/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$475,276 · Scale 2, in force from 26 Feb 2026)