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$28,817
−HK$1,807/mo
▼ 0.25% · 3.875%
HK$29,713
−HK$911/mo
Today · 4.125%
HK$30,624
baseline
▲ 0.50% · 4.625%
HK$32,488
+HK$1,864/mo
Deposit HK$6.32M · loan HK$6.32M · min. income ≈ HK$61,248/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$473,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,059
−HK$1,732/mo
▼ 0.25% · 3.875%
HK$32,919
−HK$872/mo
Today · 4.125%
HK$33,791
baseline
▲ 0.50% · 4.625%
HK$35,572
+HK$1,781/mo
Deposit HK$6.32M · loan HK$6.32M · min. income ≈ HK$67,582/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$473,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,580
−HK$2,169/mo
▼ 0.25% · 3.875%
HK$35,656
−HK$1,093/mo
Today · 4.125%
HK$36,749
baseline
▲ 0.50% · 4.625%
HK$38,985
+HK$2,236/mo
Deposit HK$5.06M · loan HK$7.58M · min. income ≈ HK$73,498/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$473,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,470
−HK$2,079/mo
▼ 0.25% · 3.875%
HK$39,502
−HK$1,047/mo
Today · 4.125%
HK$40,549
baseline
▲ 0.50% · 4.625%
HK$42,686
+HK$2,137/mo
Deposit HK$5.06M · loan HK$7.58M · min. income ≈ HK$81,098/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$473,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,344
−HK$2,530/mo
▼ 0.25% · 3.875%
HK$41,599
−HK$1,275/mo
Today · 4.125%
HK$42,874
baseline
▲ 0.50% · 4.625%
HK$45,483
+HK$2,609/mo
Deposit HK$3.79M · loan HK$8.85M · min. income ≈ HK$85,748/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$473,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,882
−HK$2,425/mo
▼ 0.25% · 3.875%
HK$46,086
−HK$1,221/mo
Today · 4.125%
HK$47,307
baseline
▲ 0.50% · 4.625%
HK$49,801
+HK$2,494/mo
Deposit HK$3.79M · loan HK$8.85M · min. income ≈ HK$94,614/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$473,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,871
−HK$3,252/mo
▼ 0.25% · 3.875%
HK$53,484
−HK$1,639/mo
Today · 4.125%
HK$55,123
baseline
▲ 0.50% · 4.625%
HK$58,478
+HK$3,355/mo
Deposit HK$1.26M · loan HK$11.37M · min. income ≈ HK$110,246/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$473,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,706
−HK$3,117/mo
▼ 0.25% · 3.875%
HK$59,253
−HK$1,570/mo
Today · 4.125%
HK$60,823
baseline
▲ 0.50% · 4.625%
HK$64,029
+HK$3,206/mo
Deposit HK$1.26M · loan HK$11.37M · min. income ≈ HK$121,646/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$473,912 · Scale 2, in force from 26 Feb 2026)