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$28,909
−HK$1,813/mo
▼ 0.25% · 3.875%
HK$29,809
−HK$913/mo
Today · 4.125%
HK$30,722
baseline
▲ 0.50% · 4.625%
HK$32,592
+HK$1,870/mo
Deposit HK$6.34M · loan HK$6.34M · min. income ≈ HK$61,444/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$475,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,161
−HK$1,738/mo
▼ 0.25% · 3.875%
HK$33,024
−HK$875/mo
Today · 4.125%
HK$33,899
baseline
▲ 0.50% · 4.625%
HK$35,686
+HK$1,787/mo
Deposit HK$6.34M · loan HK$6.34M · min. income ≈ HK$67,798/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$475,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,691
−HK$2,176/mo
▼ 0.25% · 3.875%
HK$35,770
−HK$1,097/mo
Today · 4.125%
HK$36,867
baseline
▲ 0.50% · 4.625%
HK$39,110
+HK$2,243/mo
Deposit HK$5.07M · loan HK$7.61M · min. income ≈ HK$73,734/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$475,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,594
−HK$2,085/mo
▼ 0.25% · 3.875%
HK$39,629
−HK$1,050/mo
Today · 4.125%
HK$40,679
baseline
▲ 0.50% · 4.625%
HK$42,823
+HK$2,144/mo
Deposit HK$5.07M · loan HK$7.61M · min. income ≈ HK$81,358/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$475,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,473
−HK$2,538/mo
▼ 0.25% · 3.875%
HK$41,732
−HK$1,279/mo
Today · 4.125%
HK$43,011
baseline
▲ 0.50% · 4.625%
HK$45,628
+HK$2,617/mo
Deposit HK$3.80M · loan HK$8.87M · min. income ≈ HK$86,022/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,026
−HK$2,433/mo
▼ 0.25% · 3.875%
HK$46,234
−HK$1,225/mo
Today · 4.125%
HK$47,459
baseline
▲ 0.50% · 4.625%
HK$49,960
+HK$2,501/mo
Deposit HK$3.80M · loan HK$8.87M · min. income ≈ HK$94,918/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,037
−HK$3,263/mo
▼ 0.25% · 3.875%
HK$53,656
−HK$1,644/mo
Today · 4.125%
HK$55,300
baseline
▲ 0.50% · 4.625%
HK$58,665
+HK$3,365/mo
Deposit HK$1.27M · loan HK$11.41M · min. income ≈ HK$110,600/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$475,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,891
−HK$3,127/mo
▼ 0.25% · 3.875%
HK$59,443
−HK$1,575/mo
Today · 4.125%
HK$61,018
baseline
▲ 0.50% · 4.625%
HK$64,235
+HK$3,217/mo
Deposit HK$1.27M · loan HK$11.41M · min. income ≈ HK$122,036/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$475,432 · Scale 2, in force from 26 Feb 2026)