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$28,920
−HK$1,813/mo
▼ 0.25% · 3.875%
HK$29,819
−HK$914/mo
Today · 4.125%
HK$30,733
baseline
▲ 0.50% · 4.625%
HK$32,603
+HK$1,870/mo
Deposit HK$6.34M · loan HK$6.34M · min. income ≈ HK$61,466/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$475,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,173
−HK$1,738/mo
▼ 0.25% · 3.875%
HK$33,036
−HK$875/mo
Today · 4.125%
HK$33,911
baseline
▲ 0.50% · 4.625%
HK$35,699
+HK$1,788/mo
Deposit HK$6.34M · loan HK$6.34M · min. income ≈ HK$67,822/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$475,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,704
−HK$2,176/mo
▼ 0.25% · 3.875%
HK$35,783
−HK$1,097/mo
Today · 4.125%
HK$36,880
baseline
▲ 0.50% · 4.625%
HK$39,124
+HK$2,244/mo
Deposit HK$5.07M · loan HK$7.61M · min. income ≈ HK$73,760/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$475,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,608
−HK$2,085/mo
▼ 0.25% · 3.875%
HK$39,643
−HK$1,050/mo
Today · 4.125%
HK$40,693
baseline
▲ 0.50% · 4.625%
HK$42,839
+HK$2,146/mo
Deposit HK$5.07M · loan HK$7.61M · min. income ≈ HK$81,386/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$475,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,488
−HK$2,539/mo
▼ 0.25% · 3.875%
HK$41,747
−HK$1,280/mo
Today · 4.125%
HK$43,027
baseline
▲ 0.50% · 4.625%
HK$45,645
+HK$2,618/mo
Deposit HK$3.80M · loan HK$8.88M · min. income ≈ HK$86,054/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,042
−HK$2,434/mo
▼ 0.25% · 3.875%
HK$46,250
−HK$1,226/mo
Today · 4.125%
HK$47,476
baseline
▲ 0.50% · 4.625%
HK$49,978
+HK$2,502/mo
Deposit HK$3.80M · loan HK$8.88M · min. income ≈ HK$94,952/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,056
−HK$3,264/mo
▼ 0.25% · 3.875%
HK$53,675
−HK$1,645/mo
Today · 4.125%
HK$55,320
baseline
▲ 0.50% · 4.625%
HK$58,686
+HK$3,366/mo
Deposit HK$1.27M · loan HK$11.41M · min. income ≈ HK$110,640/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$475,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,911
−HK$3,129/mo
▼ 0.25% · 3.875%
HK$59,465
−HK$1,575/mo
Today · 4.125%
HK$61,040
baseline
▲ 0.50% · 4.625%
HK$64,258
+HK$3,218/mo
Deposit HK$1.27M · loan HK$11.41M · min. income ≈ HK$122,080/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$475,602 · Scale 2, in force from 26 Feb 2026)