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$28,823
−HK$1,808/mo
▼ 0.25% · 3.875%
HK$29,720
−HK$911/mo
Today · 4.125%
HK$30,631
baseline
▲ 0.50% · 4.625%
HK$32,495
+HK$1,864/mo
Deposit HK$6.32M · loan HK$6.32M · min. income ≈ HK$61,262/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$474,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,066
−HK$1,732/mo
▼ 0.25% · 3.875%
HK$32,926
−HK$872/mo
Today · 4.125%
HK$33,798
baseline
▲ 0.50% · 4.625%
HK$35,580
+HK$1,782/mo
Deposit HK$6.32M · loan HK$6.32M · min. income ≈ HK$67,596/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$474,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,588
−HK$2,169/mo
▼ 0.25% · 3.875%
HK$35,664
−HK$1,093/mo
Today · 4.125%
HK$36,757
baseline
▲ 0.50% · 4.625%
HK$38,994
+HK$2,237/mo
Deposit HK$5.06M · loan HK$7.58M · min. income ≈ HK$73,514/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$474,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,479
−HK$2,079/mo
▼ 0.25% · 3.875%
HK$39,511
−HK$1,047/mo
Today · 4.125%
HK$40,558
baseline
▲ 0.50% · 4.625%
HK$42,696
+HK$2,138/mo
Deposit HK$5.06M · loan HK$7.58M · min. income ≈ HK$81,116/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$474,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,353
−HK$2,530/mo
▼ 0.25% · 3.875%
HK$41,608
−HK$1,275/mo
Today · 4.125%
HK$42,883
baseline
▲ 0.50% · 4.625%
HK$45,493
+HK$2,610/mo
Deposit HK$3.79M · loan HK$8.85M · min. income ≈ HK$85,766/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$474,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,892
−HK$2,426/mo
▼ 0.25% · 3.875%
HK$46,096
−HK$1,222/mo
Today · 4.125%
HK$47,318
baseline
▲ 0.50% · 4.625%
HK$49,812
+HK$2,494/mo
Deposit HK$3.79M · loan HK$8.85M · min. income ≈ HK$94,636/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$474,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,882
−HK$3,254/mo
▼ 0.25% · 3.875%
HK$53,496
−HK$1,640/mo
Today · 4.125%
HK$55,136
baseline
▲ 0.50% · 4.625%
HK$58,491
+HK$3,355/mo
Deposit HK$1.26M · loan HK$11.38M · min. income ≈ HK$110,272/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$474,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,718
−HK$3,119/mo
▼ 0.25% · 3.875%
HK$59,266
−HK$1,571/mo
Today · 4.125%
HK$60,837
baseline
▲ 0.50% · 4.625%
HK$64,044
+HK$3,207/mo
Deposit HK$1.26M · loan HK$11.38M · min. income ≈ HK$121,674/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$474,017 · Scale 2, in force from 26 Feb 2026)