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$28,865
−HK$1,810/mo
▼ 0.25% · 3.875%
HK$29,762
−HK$913/mo
Today · 4.125%
HK$30,675
baseline
▲ 0.50% · 4.625%
HK$32,541
+HK$1,866/mo
Deposit HK$6.33M · loan HK$6.33M · min. income ≈ HK$61,350/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$474,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,112
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$32,973
−HK$873/mo
Today · 4.125%
HK$33,846
baseline
▲ 0.50% · 4.625%
HK$35,631
+HK$1,785/mo
Deposit HK$6.33M · loan HK$6.33M · min. income ≈ HK$67,692/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$474,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,638
−HK$2,172/mo
▼ 0.25% · 3.875%
HK$35,715
−HK$1,095/mo
Today · 4.125%
HK$36,810
baseline
▲ 0.50% · 4.625%
HK$39,049
+HK$2,239/mo
Deposit HK$5.06M · loan HK$7.60M · min. income ≈ HK$73,620/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$474,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,534
−HK$2,082/mo
▼ 0.25% · 3.875%
HK$39,567
−HK$1,049/mo
Today · 4.125%
HK$40,616
baseline
▲ 0.50% · 4.625%
HK$42,757
+HK$2,141/mo
Deposit HK$5.06M · loan HK$7.60M · min. income ≈ HK$81,232/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$474,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,410
−HK$2,535/mo
▼ 0.25% · 3.875%
HK$41,667
−HK$1,278/mo
Today · 4.125%
HK$42,945
baseline
▲ 0.50% · 4.625%
HK$45,558
+HK$2,613/mo
Deposit HK$3.80M · loan HK$8.86M · min. income ≈ HK$85,890/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$474,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,956
−HK$2,429/mo
▼ 0.25% · 3.875%
HK$46,162
−HK$1,223/mo
Today · 4.125%
HK$47,385
baseline
▲ 0.50% · 4.625%
HK$49,883
+HK$2,498/mo
Deposit HK$3.80M · loan HK$8.86M · min. income ≈ HK$94,770/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$474,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,956
−HK$3,258/mo
▼ 0.25% · 3.875%
HK$53,572
−HK$1,642/mo
Today · 4.125%
HK$55,214
baseline
▲ 0.50% · 4.625%
HK$58,574
+HK$3,360/mo
Deposit HK$1.27M · loan HK$11.39M · min. income ≈ HK$110,428/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$474,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,801
−HK$3,123/mo
▼ 0.25% · 3.875%
HK$59,351
−HK$1,573/mo
Today · 4.125%
HK$60,924
baseline
▲ 0.50% · 4.625%
HK$64,135
+HK$3,211/mo
Deposit HK$1.27M · loan HK$11.39M · min. income ≈ HK$121,848/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$474,694 · Scale 2, in force from 26 Feb 2026)