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$28,893
−HK$1,812/mo
▼ 0.25% · 3.875%
HK$29,792
−HK$913/mo
Today · 4.125%
HK$30,705
baseline
▲ 0.50% · 4.625%
HK$32,574
+HK$1,869/mo
Deposit HK$6.34M · loan HK$6.34M · min. income ≈ HK$61,410/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$475,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,144
−HK$1,736/mo
▼ 0.25% · 3.875%
HK$33,006
−HK$874/mo
Today · 4.125%
HK$33,880
baseline
▲ 0.50% · 4.625%
HK$35,666
+HK$1,786/mo
Deposit HK$6.34M · loan HK$6.34M · min. income ≈ HK$67,760/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$475,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,672
−HK$2,174/mo
▼ 0.25% · 3.875%
HK$35,750
−HK$1,096/mo
Today · 4.125%
HK$36,846
baseline
▲ 0.50% · 4.625%
HK$39,088
+HK$2,242/mo
Deposit HK$5.07M · loan HK$7.60M · min. income ≈ HK$73,692/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$475,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,572
−HK$2,084/mo
▼ 0.25% · 3.875%
HK$39,607
−HK$1,049/mo
Today · 4.125%
HK$40,656
baseline
▲ 0.50% · 4.625%
HK$42,799
+HK$2,143/mo
Deposit HK$5.07M · loan HK$7.60M · min. income ≈ HK$81,312/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$475,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,451
−HK$2,536/mo
▼ 0.25% · 3.875%
HK$41,709
−HK$1,278/mo
Today · 4.125%
HK$42,987
baseline
▲ 0.50% · 4.625%
HK$45,603
+HK$2,616/mo
Deposit HK$3.80M · loan HK$8.87M · min. income ≈ HK$85,974/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,001
−HK$2,431/mo
▼ 0.25% · 3.875%
HK$46,208
−HK$1,224/mo
Today · 4.125%
HK$47,432
baseline
▲ 0.50% · 4.625%
HK$49,932
+HK$2,500/mo
Deposit HK$3.80M · loan HK$8.87M · min. income ≈ HK$94,864/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,008
−HK$3,261/mo
▼ 0.25% · 3.875%
HK$53,626
−HK$1,643/mo
Today · 4.125%
HK$55,269
baseline
▲ 0.50% · 4.625%
HK$58,632
+HK$3,363/mo
Deposit HK$1.27M · loan HK$11.40M · min. income ≈ HK$110,538/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$475,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,858
−HK$3,126/mo
▼ 0.25% · 3.875%
HK$59,410
−HK$1,574/mo
Today · 4.125%
HK$60,984
baseline
▲ 0.50% · 4.625%
HK$64,199
+HK$3,215/mo
Deposit HK$1.27M · loan HK$11.40M · min. income ≈ HK$121,968/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$475,166 · Scale 2, in force from 26 Feb 2026)