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$28,900
−HK$1,812/mo
▼ 0.25% · 3.875%
HK$29,799
−HK$913/mo
Today · 4.125%
HK$30,712
baseline
▲ 0.50% · 4.625%
HK$32,581
+HK$1,869/mo
Deposit HK$6.34M · loan HK$6.34M · min. income ≈ HK$61,424/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$475,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,150
−HK$1,737/mo
▼ 0.25% · 3.875%
HK$33,013
−HK$874/mo
Today · 4.125%
HK$33,887
baseline
▲ 0.50% · 4.625%
HK$35,674
+HK$1,787/mo
Deposit HK$6.34M · loan HK$6.34M · min. income ≈ HK$67,774/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$475,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,679
−HK$2,175/mo
▼ 0.25% · 3.875%
HK$35,758
−HK$1,096/mo
Today · 4.125%
HK$36,854
baseline
▲ 0.50% · 4.625%
HK$39,097
+HK$2,243/mo
Deposit HK$5.07M · loan HK$7.60M · min. income ≈ HK$73,708/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$475,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,581
−HK$2,084/mo
▼ 0.25% · 3.875%
HK$39,615
−HK$1,050/mo
Today · 4.125%
HK$40,665
baseline
▲ 0.50% · 4.625%
HK$42,808
+HK$2,143/mo
Deposit HK$5.07M · loan HK$7.60M · min. income ≈ HK$81,330/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$475,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,459
−HK$2,538/mo
▼ 0.25% · 3.875%
HK$41,718
−HK$1,279/mo
Today · 4.125%
HK$42,997
baseline
▲ 0.50% · 4.625%
HK$45,613
+HK$2,616/mo
Deposit HK$3.80M · loan HK$8.87M · min. income ≈ HK$85,994/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,011
−HK$2,431/mo
▼ 0.25% · 3.875%
HK$46,218
−HK$1,224/mo
Today · 4.125%
HK$47,442
baseline
▲ 0.50% · 4.625%
HK$49,943
+HK$2,501/mo
Deposit HK$3.80M · loan HK$8.87M · min. income ≈ HK$94,884/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,019
−HK$3,262/mo
▼ 0.25% · 3.875%
HK$53,637
−HK$1,644/mo
Today · 4.125%
HK$55,281
baseline
▲ 0.50% · 4.625%
HK$58,645
+HK$3,364/mo
Deposit HK$1.27M · loan HK$11.41M · min. income ≈ HK$110,562/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$475,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,871
−HK$3,126/mo
▼ 0.25% · 3.875%
HK$59,423
−HK$1,574/mo
Today · 4.125%
HK$60,997
baseline
▲ 0.50% · 4.625%
HK$64,213
+HK$3,216/mo
Deposit HK$1.27M · loan HK$11.41M · min. income ≈ HK$121,994/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$475,269 · Scale 2, in force from 26 Feb 2026)