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$28,930
−HK$1,815/mo
▼ 0.25% · 3.875%
HK$29,830
−HK$915/mo
Today · 4.125%
HK$30,745
baseline
▲ 0.50% · 4.625%
HK$32,615
+HK$1,870/mo
Deposit HK$6.34M · loan HK$6.34M · min. income ≈ HK$61,490/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$475,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,185
−HK$1,739/mo
▼ 0.25% · 3.875%
HK$33,048
−HK$876/mo
Today · 4.125%
HK$33,924
baseline
▲ 0.50% · 4.625%
HK$35,712
+HK$1,788/mo
Deposit HK$6.34M · loan HK$6.34M · min. income ≈ HK$67,848/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$475,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,717
−HK$2,177/mo
▼ 0.25% · 3.875%
HK$35,796
−HK$1,098/mo
Today · 4.125%
HK$36,894
baseline
▲ 0.50% · 4.625%
HK$39,139
+HK$2,245/mo
Deposit HK$5.07M · loan HK$7.61M · min. income ≈ HK$73,788/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$475,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,622
−HK$2,086/mo
▼ 0.25% · 3.875%
HK$39,658
−HK$1,050/mo
Today · 4.125%
HK$40,708
baseline
▲ 0.50% · 4.625%
HK$42,854
+HK$2,146/mo
Deposit HK$5.07M · loan HK$7.61M · min. income ≈ HK$81,416/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$475,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,503
−HK$2,540/mo
▼ 0.25% · 3.875%
HK$41,763
−HK$1,280/mo
Today · 4.125%
HK$43,043
baseline
▲ 0.50% · 4.625%
HK$45,662
+HK$2,619/mo
Deposit HK$3.81M · loan HK$8.88M · min. income ≈ HK$86,086/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,059
−HK$2,434/mo
▼ 0.25% · 3.875%
HK$46,267
−HK$1,226/mo
Today · 4.125%
HK$47,493
baseline
▲ 0.50% · 4.625%
HK$49,997
+HK$2,504/mo
Deposit HK$3.81M · loan HK$8.88M · min. income ≈ HK$94,986/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,075
−HK$3,265/mo
▼ 0.25% · 3.875%
HK$53,695
−HK$1,645/mo
Today · 4.125%
HK$55,340
baseline
▲ 0.50% · 4.625%
HK$58,708
+HK$3,368/mo
Deposit HK$1.27M · loan HK$11.42M · min. income ≈ HK$110,680/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$475,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,933
−HK$3,130/mo
▼ 0.25% · 3.875%
HK$59,486
−HK$1,577/mo
Today · 4.125%
HK$61,063
baseline
▲ 0.50% · 4.625%
HK$64,281
+HK$3,218/mo
Deposit HK$1.27M · loan HK$11.42M · min. income ≈ HK$122,126/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$475,777 · Scale 2, in force from 26 Feb 2026)