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$28,796
−HK$1,806/mo
▼ 0.25% · 3.875%
HK$29,692
−HK$910/mo
Today · 4.125%
HK$30,602
baseline
▲ 0.50% · 4.625%
HK$32,464
+HK$1,862/mo
Deposit HK$6.31M · loan HK$6.31M · min. income ≈ HK$61,204/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$473,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,036
−HK$1,731/mo
▼ 0.25% · 3.875%
HK$32,895
−HK$872/mo
Today · 4.125%
HK$33,767
baseline
▲ 0.50% · 4.625%
HK$35,546
+HK$1,779/mo
Deposit HK$6.31M · loan HK$6.31M · min. income ≈ HK$67,534/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$473,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,556
−HK$2,167/mo
▼ 0.25% · 3.875%
HK$35,631
−HK$1,092/mo
Today · 4.125%
HK$36,723
baseline
▲ 0.50% · 4.625%
HK$38,957
+HK$2,234/mo
Deposit HK$5.05M · loan HK$7.58M · min. income ≈ HK$73,446/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$473,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,443
−HK$2,077/mo
▼ 0.25% · 3.875%
HK$39,474
−HK$1,046/mo
Today · 4.125%
HK$40,520
baseline
▲ 0.50% · 4.625%
HK$42,656
+HK$2,136/mo
Deposit HK$5.05M · loan HK$7.58M · min. income ≈ HK$81,040/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$473,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,315
−HK$2,528/mo
▼ 0.25% · 3.875%
HK$41,569
−HK$1,274/mo
Today · 4.125%
HK$42,843
baseline
▲ 0.50% · 4.625%
HK$45,450
+HK$2,607/mo
Deposit HK$3.79M · loan HK$8.84M · min. income ≈ HK$85,686/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$473,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,850
−HK$2,423/mo
▼ 0.25% · 3.875%
HK$46,053
−HK$1,220/mo
Today · 4.125%
HK$47,273
baseline
▲ 0.50% · 4.625%
HK$49,765
+HK$2,492/mo
Deposit HK$3.79M · loan HK$8.84M · min. income ≈ HK$94,546/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$473,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,834
−HK$3,250/mo
▼ 0.25% · 3.875%
HK$53,446
−HK$1,638/mo
Today · 4.125%
HK$55,084
baseline
▲ 0.50% · 4.625%
HK$58,436
+HK$3,352/mo
Deposit HK$1.26M · loan HK$11.37M · min. income ≈ HK$110,168/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$473,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,664
−HK$3,116/mo
▼ 0.25% · 3.875%
HK$59,211
−HK$1,569/mo
Today · 4.125%
HK$60,780
baseline
▲ 0.50% · 4.625%
HK$63,984
+HK$3,204/mo
Deposit HK$1.26M · loan HK$11.37M · min. income ≈ HK$121,560/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$473,573 · Scale 2, in force from 26 Feb 2026)