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$28,885
−HK$1,811/mo
▼ 0.25% · 3.875%
HK$29,783
−HK$913/mo
Today · 4.125%
HK$30,696
baseline
▲ 0.50% · 4.625%
HK$32,564
+HK$1,868/mo
Deposit HK$6.33M · loan HK$6.33M · min. income ≈ HK$61,392/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$475,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,134
−HK$1,736/mo
▼ 0.25% · 3.875%
HK$32,996
−HK$874/mo
Today · 4.125%
HK$33,870
baseline
▲ 0.50% · 4.625%
HK$35,655
+HK$1,785/mo
Deposit HK$6.33M · loan HK$6.33M · min. income ≈ HK$67,740/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$475,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,662
−HK$2,173/mo
▼ 0.25% · 3.875%
HK$35,740
−HK$1,095/mo
Today · 4.125%
HK$36,835
baseline
▲ 0.50% · 4.625%
HK$39,076
+HK$2,241/mo
Deposit HK$5.07M · loan HK$7.60M · min. income ≈ HK$73,670/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$475,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,561
−HK$2,083/mo
▼ 0.25% · 3.875%
HK$39,595
−HK$1,049/mo
Today · 4.125%
HK$40,644
baseline
▲ 0.50% · 4.625%
HK$42,786
+HK$2,142/mo
Deposit HK$5.07M · loan HK$7.60M · min. income ≈ HK$81,288/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$475,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,438
−HK$2,536/mo
▼ 0.25% · 3.875%
HK$41,696
−HK$1,278/mo
Today · 4.125%
HK$42,974
baseline
▲ 0.50% · 4.625%
HK$45,589
+HK$2,615/mo
Deposit HK$3.80M · loan HK$8.87M · min. income ≈ HK$85,948/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,987
−HK$2,431/mo
▼ 0.25% · 3.875%
HK$46,194
−HK$1,224/mo
Today · 4.125%
HK$47,418
baseline
▲ 0.50% · 4.625%
HK$49,917
+HK$2,499/mo
Deposit HK$3.80M · loan HK$8.87M · min. income ≈ HK$94,836/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,992
−HK$3,261/mo
▼ 0.25% · 3.875%
HK$53,610
−HK$1,643/mo
Today · 4.125%
HK$55,253
baseline
▲ 0.50% · 4.625%
HK$58,615
+HK$3,362/mo
Deposit HK$1.27M · loan HK$11.40M · min. income ≈ HK$110,506/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$475,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,841
−HK$3,125/mo
▼ 0.25% · 3.875%
HK$59,392
−HK$1,574/mo
Today · 4.125%
HK$60,966
baseline
▲ 0.50% · 4.625%
HK$64,179
+HK$3,213/mo
Deposit HK$1.27M · loan HK$11.40M · min. income ≈ HK$121,932/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$475,023 · Scale 2, in force from 26 Feb 2026)