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$28,889
−HK$1,812/mo
▼ 0.25% · 3.875%
HK$29,788
−HK$913/mo
Today · 4.125%
HK$30,701
baseline
▲ 0.50% · 4.625%
HK$32,569
+HK$1,868/mo
Deposit HK$6.33M · loan HK$6.33M · min. income ≈ HK$61,402/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$475,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,139
−HK$1,736/mo
▼ 0.25% · 3.875%
HK$33,001
−HK$874/mo
Today · 4.125%
HK$33,875
baseline
▲ 0.50% · 4.625%
HK$35,661
+HK$1,786/mo
Deposit HK$6.33M · loan HK$6.33M · min. income ≈ HK$67,750/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$475,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,667
−HK$2,174/mo
▼ 0.25% · 3.875%
HK$35,745
−HK$1,096/mo
Today · 4.125%
HK$36,841
baseline
▲ 0.50% · 4.625%
HK$39,083
+HK$2,242/mo
Deposit HK$5.07M · loan HK$7.60M · min. income ≈ HK$73,682/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$475,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,567
−HK$2,083/mo
▼ 0.25% · 3.875%
HK$39,601
−HK$1,049/mo
Today · 4.125%
HK$40,650
baseline
▲ 0.50% · 4.625%
HK$42,793
+HK$2,143/mo
Deposit HK$5.07M · loan HK$7.60M · min. income ≈ HK$81,300/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$475,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,445
−HK$2,536/mo
▼ 0.25% · 3.875%
HK$41,703
−HK$1,278/mo
Today · 4.125%
HK$42,981
baseline
▲ 0.50% · 4.625%
HK$45,596
+HK$2,615/mo
Deposit HK$3.80M · loan HK$8.87M · min. income ≈ HK$85,962/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,995
−HK$2,430/mo
▼ 0.25% · 3.875%
HK$46,201
−HK$1,224/mo
Today · 4.125%
HK$47,425
baseline
▲ 0.50% · 4.625%
HK$49,925
+HK$2,500/mo
Deposit HK$3.80M · loan HK$8.87M · min. income ≈ HK$94,850/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,001
−HK$3,260/mo
▼ 0.25% · 3.875%
HK$53,618
−HK$1,643/mo
Today · 4.125%
HK$55,261
baseline
▲ 0.50% · 4.625%
HK$58,624
+HK$3,363/mo
Deposit HK$1.27M · loan HK$11.40M · min. income ≈ HK$110,522/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$475,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,850
−HK$3,126/mo
▼ 0.25% · 3.875%
HK$59,402
−HK$1,574/mo
Today · 4.125%
HK$60,976
baseline
▲ 0.50% · 4.625%
HK$64,190
+HK$3,214/mo
Deposit HK$1.27M · loan HK$11.40M · min. income ≈ HK$121,952/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$475,099 · Scale 2, in force from 26 Feb 2026)