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$28,867
−HK$1,810/mo
▼ 0.25% · 3.875%
HK$29,765
−HK$912/mo
Today · 4.125%
HK$30,677
baseline
▲ 0.50% · 4.625%
HK$32,543
+HK$1,866/mo
Deposit HK$6.33M · loan HK$6.33M · min. income ≈ HK$61,354/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$474,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,114
−HK$1,735/mo
▼ 0.25% · 3.875%
HK$32,975
−HK$874/mo
Today · 4.125%
HK$33,849
baseline
▲ 0.50% · 4.625%
HK$35,633
+HK$1,784/mo
Deposit HK$6.33M · loan HK$6.33M · min. income ≈ HK$67,698/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$474,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,640
−HK$2,172/mo
▼ 0.25% · 3.875%
HK$35,717
−HK$1,095/mo
Today · 4.125%
HK$36,812
baseline
▲ 0.50% · 4.625%
HK$39,052
+HK$2,240/mo
Deposit HK$5.06M · loan HK$7.60M · min. income ≈ HK$73,624/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$474,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,537
−HK$2,082/mo
▼ 0.25% · 3.875%
HK$39,570
−HK$1,049/mo
Today · 4.125%
HK$40,619
baseline
▲ 0.50% · 4.625%
HK$42,760
+HK$2,141/mo
Deposit HK$5.06M · loan HK$7.60M · min. income ≈ HK$81,238/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$474,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,413
−HK$2,535/mo
▼ 0.25% · 3.875%
HK$41,670
−HK$1,278/mo
Today · 4.125%
HK$42,948
baseline
▲ 0.50% · 4.625%
HK$45,561
+HK$2,613/mo
Deposit HK$3.80M · loan HK$8.86M · min. income ≈ HK$85,896/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$474,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,959
−HK$2,429/mo
▼ 0.25% · 3.875%
HK$46,165
−HK$1,223/mo
Today · 4.125%
HK$47,388
baseline
▲ 0.50% · 4.625%
HK$49,886
+HK$2,498/mo
Deposit HK$3.80M · loan HK$8.86M · min. income ≈ HK$94,776/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$474,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,960
−HK$3,258/mo
▼ 0.25% · 3.875%
HK$53,576
−HK$1,642/mo
Today · 4.125%
HK$55,218
baseline
▲ 0.50% · 4.625%
HK$58,578
+HK$3,360/mo
Deposit HK$1.27M · loan HK$11.39M · min. income ≈ HK$110,436/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$474,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,805
−HK$3,123/mo
▼ 0.25% · 3.875%
HK$59,355
−HK$1,573/mo
Today · 4.125%
HK$60,928
baseline
▲ 0.50% · 4.625%
HK$64,140
+HK$3,212/mo
Deposit HK$1.27M · loan HK$11.39M · min. income ≈ HK$121,856/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$474,728 · Scale 2, in force from 26 Feb 2026)