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$28,872
−HK$1,810/mo
▼ 0.25% · 3.875%
HK$29,770
−HK$912/mo
Today · 4.125%
HK$30,682
baseline
▲ 0.50% · 4.625%
HK$32,549
+HK$1,867/mo
Deposit HK$6.33M · loan HK$6.33M · min. income ≈ HK$61,364/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$474,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,119
−HK$1,736/mo
▼ 0.25% · 3.875%
HK$32,981
−HK$874/mo
Today · 4.125%
HK$33,855
baseline
▲ 0.50% · 4.625%
HK$35,639
+HK$1,784/mo
Deposit HK$6.33M · loan HK$6.33M · min. income ≈ HK$67,710/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$474,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,646
−HK$2,172/mo
▼ 0.25% · 3.875%
HK$35,723
−HK$1,095/mo
Today · 4.125%
HK$36,818
baseline
▲ 0.50% · 4.625%
HK$39,059
+HK$2,241/mo
Deposit HK$5.06M · loan HK$7.60M · min. income ≈ HK$73,636/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$474,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,543
−HK$2,082/mo
▼ 0.25% · 3.875%
HK$39,577
−HK$1,048/mo
Today · 4.125%
HK$40,625
baseline
▲ 0.50% · 4.625%
HK$42,767
+HK$2,142/mo
Deposit HK$5.06M · loan HK$7.60M · min. income ≈ HK$81,250/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$474,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,420
−HK$2,535/mo
▼ 0.25% · 3.875%
HK$41,677
−HK$1,278/mo
Today · 4.125%
HK$42,955
baseline
▲ 0.50% · 4.625%
HK$45,569
+HK$2,614/mo
Deposit HK$3.80M · loan HK$8.86M · min. income ≈ HK$85,910/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$474,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,967
−HK$2,429/mo
▼ 0.25% · 3.875%
HK$46,173
−HK$1,223/mo
Today · 4.125%
HK$47,396
baseline
▲ 0.50% · 4.625%
HK$49,895
+HK$2,499/mo
Deposit HK$3.80M · loan HK$8.86M · min. income ≈ HK$94,792/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$474,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,969
−HK$3,259/mo
▼ 0.25% · 3.875%
HK$53,585
−HK$1,643/mo
Today · 4.125%
HK$55,228
baseline
▲ 0.50% · 4.625%
HK$58,588
+HK$3,360/mo
Deposit HK$1.27M · loan HK$11.40M · min. income ≈ HK$110,456/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$474,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,815
−HK$3,123/mo
▼ 0.25% · 3.875%
HK$59,365
−HK$1,573/mo
Today · 4.125%
HK$60,938
baseline
▲ 0.50% · 4.625%
HK$64,150
+HK$3,212/mo
Deposit HK$1.27M · loan HK$11.40M · min. income ≈ HK$121,876/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$474,807 · Scale 2, in force from 26 Feb 2026)