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$28,779
−HK$1,804/mo
▼ 0.25% · 3.875%
HK$29,674
−HK$909/mo
Today · 4.125%
HK$30,583
baseline
▲ 0.50% · 4.625%
HK$32,444
+HK$1,861/mo
Deposit HK$6.31M · loan HK$6.31M · min. income ≈ HK$61,166/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$473,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,016
−HK$1,730/mo
▼ 0.25% · 3.875%
HK$32,875
−HK$871/mo
Today · 4.125%
HK$33,746
baseline
▲ 0.50% · 4.625%
HK$35,525
+HK$1,779/mo
Deposit HK$6.31M · loan HK$6.31M · min. income ≈ HK$67,492/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$473,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,535
−HK$2,165/mo
▼ 0.25% · 3.875%
HK$35,609
−HK$1,091/mo
Today · 4.125%
HK$36,700
baseline
▲ 0.50% · 4.625%
HK$38,933
+HK$2,233/mo
Deposit HK$5.05M · loan HK$7.57M · min. income ≈ HK$73,400/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$473,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,419
−HK$2,076/mo
▼ 0.25% · 3.875%
HK$39,450
−HK$1,045/mo
Today · 4.125%
HK$40,495
baseline
▲ 0.50% · 4.625%
HK$42,630
+HK$2,135/mo
Deposit HK$5.05M · loan HK$7.57M · min. income ≈ HK$80,990/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$473,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,290
−HK$2,527/mo
▼ 0.25% · 3.875%
HK$41,544
−HK$1,273/mo
Today · 4.125%
HK$42,817
baseline
▲ 0.50% · 4.625%
HK$45,422
+HK$2,605/mo
Deposit HK$3.79M · loan HK$8.83M · min. income ≈ HK$85,634/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$473,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,823
−HK$2,421/mo
▼ 0.25% · 3.875%
HK$46,025
−HK$1,219/mo
Today · 4.125%
HK$47,244
baseline
▲ 0.50% · 4.625%
HK$49,734
+HK$2,490/mo
Deposit HK$3.79M · loan HK$8.83M · min. income ≈ HK$94,488/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$473,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,802
−HK$3,248/mo
▼ 0.25% · 3.875%
HK$53,413
−HK$1,637/mo
Today · 4.125%
HK$55,050
baseline
▲ 0.50% · 4.625%
HK$58,400
+HK$3,350/mo
Deposit HK$1.26M · loan HK$11.36M · min. income ≈ HK$110,100/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$473,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,629
−HK$3,113/mo
▼ 0.25% · 3.875%
HK$59,175
−HK$1,567/mo
Today · 4.125%
HK$60,742
baseline
▲ 0.50% · 4.625%
HK$63,944
+HK$3,202/mo
Deposit HK$1.26M · loan HK$11.36M · min. income ≈ HK$121,484/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$473,282 · Scale 2, in force from 26 Feb 2026)