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$28,918
−HK$1,814/mo
▼ 0.25% · 3.875%
HK$29,818
−HK$914/mo
Today · 4.125%
HK$30,732
baseline
▲ 0.50% · 4.625%
HK$32,602
+HK$1,870/mo
Deposit HK$6.34M · loan HK$6.34M · min. income ≈ HK$61,464/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$475,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,171
−HK$1,738/mo
▼ 0.25% · 3.875%
HK$33,034
−HK$875/mo
Today · 4.125%
HK$33,909
baseline
▲ 0.50% · 4.625%
HK$35,697
+HK$1,788/mo
Deposit HK$6.34M · loan HK$6.34M · min. income ≈ HK$67,818/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$475,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,702
−HK$2,176/mo
▼ 0.25% · 3.875%
HK$35,781
−HK$1,097/mo
Today · 4.125%
HK$36,878
baseline
▲ 0.50% · 4.625%
HK$39,122
+HK$2,244/mo
Deposit HK$5.07M · loan HK$7.61M · min. income ≈ HK$73,756/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$475,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,606
−HK$2,085/mo
▼ 0.25% · 3.875%
HK$39,641
−HK$1,050/mo
Today · 4.125%
HK$40,691
baseline
▲ 0.50% · 4.625%
HK$42,836
+HK$2,145/mo
Deposit HK$5.07M · loan HK$7.61M · min. income ≈ HK$81,382/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$475,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,486
−HK$2,538/mo
▼ 0.25% · 3.875%
HK$41,745
−HK$1,279/mo
Today · 4.125%
HK$43,024
baseline
▲ 0.50% · 4.625%
HK$45,642
+HK$2,618/mo
Deposit HK$3.80M · loan HK$8.88M · min. income ≈ HK$86,048/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,040
−HK$2,433/mo
▼ 0.25% · 3.875%
HK$46,248
−HK$1,225/mo
Today · 4.125%
HK$47,473
baseline
▲ 0.50% · 4.625%
HK$49,976
+HK$2,503/mo
Deposit HK$3.80M · loan HK$8.88M · min. income ≈ HK$94,946/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,053
−HK$3,264/mo
▼ 0.25% · 3.875%
HK$53,672
−HK$1,645/mo
Today · 4.125%
HK$55,317
baseline
▲ 0.50% · 4.625%
HK$58,683
+HK$3,366/mo
Deposit HK$1.27M · loan HK$11.41M · min. income ≈ HK$110,634/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$475,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,908
−HK$3,129/mo
▼ 0.25% · 3.875%
HK$59,461
−HK$1,576/mo
Today · 4.125%
HK$61,037
baseline
▲ 0.50% · 4.625%
HK$64,254
+HK$3,217/mo
Deposit HK$1.27M · loan HK$11.41M · min. income ≈ HK$122,074/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$475,577 · Scale 2, in force from 26 Feb 2026)