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$28,910
−HK$1,813/mo
▼ 0.25% · 3.875%
HK$29,809
−HK$914/mo
Today · 4.125%
HK$30,723
baseline
▲ 0.50% · 4.625%
HK$32,592
+HK$1,869/mo
Deposit HK$6.34M · loan HK$6.34M · min. income ≈ HK$61,446/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$475,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,162
−HK$1,738/mo
▼ 0.25% · 3.875%
HK$33,025
−HK$875/mo
Today · 4.125%
HK$33,900
baseline
▲ 0.50% · 4.625%
HK$35,687
+HK$1,787/mo
Deposit HK$6.34M · loan HK$6.34M · min. income ≈ HK$67,800/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$475,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,692
−HK$2,176/mo
▼ 0.25% · 3.875%
HK$35,771
−HK$1,097/mo
Today · 4.125%
HK$36,868
baseline
▲ 0.50% · 4.625%
HK$39,111
+HK$2,243/mo
Deposit HK$5.07M · loan HK$7.61M · min. income ≈ HK$73,736/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$475,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,595
−HK$2,085/mo
▼ 0.25% · 3.875%
HK$39,630
−HK$1,050/mo
Today · 4.125%
HK$40,680
baseline
▲ 0.50% · 4.625%
HK$42,824
+HK$2,144/mo
Deposit HK$5.07M · loan HK$7.61M · min. income ≈ HK$81,360/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$475,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,474
−HK$2,538/mo
▼ 0.25% · 3.875%
HK$41,733
−HK$1,279/mo
Today · 4.125%
HK$43,012
baseline
▲ 0.50% · 4.625%
HK$45,629
+HK$2,617/mo
Deposit HK$3.80M · loan HK$8.87M · min. income ≈ HK$86,024/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,027
−HK$2,433/mo
▼ 0.25% · 3.875%
HK$46,235
−HK$1,225/mo
Today · 4.125%
HK$47,460
baseline
▲ 0.50% · 4.625%
HK$49,961
+HK$2,501/mo
Deposit HK$3.80M · loan HK$8.87M · min. income ≈ HK$94,920/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,038
−HK$3,263/mo
▼ 0.25% · 3.875%
HK$53,657
−HK$1,644/mo
Today · 4.125%
HK$55,301
baseline
▲ 0.50% · 4.625%
HK$58,666
+HK$3,365/mo
Deposit HK$1.27M · loan HK$11.41M · min. income ≈ HK$110,602/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$475,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,892
−HK$3,128/mo
▼ 0.25% · 3.875%
HK$59,445
−HK$1,575/mo
Today · 4.125%
HK$61,020
baseline
▲ 0.50% · 4.625%
HK$64,236
+HK$3,216/mo
Deposit HK$1.27M · loan HK$11.41M · min. income ≈ HK$122,040/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$475,442 · Scale 2, in force from 26 Feb 2026)