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$28,873
−HK$1,811/mo
▼ 0.25% · 3.875%
HK$29,771
−HK$913/mo
Today · 4.125%
HK$30,684
baseline
▲ 0.50% · 4.625%
HK$32,551
+HK$1,867/mo
Deposit HK$6.33M · loan HK$6.33M · min. income ≈ HK$61,368/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$474,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,121
−HK$1,735/mo
▼ 0.25% · 3.875%
HK$32,982
−HK$874/mo
Today · 4.125%
HK$33,856
baseline
▲ 0.50% · 4.625%
HK$35,641
+HK$1,785/mo
Deposit HK$6.33M · loan HK$6.33M · min. income ≈ HK$67,712/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$474,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,648
−HK$2,172/mo
▼ 0.25% · 3.875%
HK$35,725
−HK$1,095/mo
Today · 4.125%
HK$36,820
baseline
▲ 0.50% · 4.625%
HK$39,061
+HK$2,241/mo
Deposit HK$5.06M · loan HK$7.60M · min. income ≈ HK$73,640/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$474,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,545
−HK$2,082/mo
▼ 0.25% · 3.875%
HK$39,579
−HK$1,048/mo
Today · 4.125%
HK$40,627
baseline
▲ 0.50% · 4.625%
HK$42,769
+HK$2,142/mo
Deposit HK$5.06M · loan HK$7.60M · min. income ≈ HK$81,254/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$474,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,422
−HK$2,535/mo
▼ 0.25% · 3.875%
HK$41,679
−HK$1,278/mo
Today · 4.125%
HK$42,957
baseline
▲ 0.50% · 4.625%
HK$45,571
+HK$2,614/mo
Deposit HK$3.80M · loan HK$8.86M · min. income ≈ HK$85,914/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$474,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,969
−HK$2,430/mo
▼ 0.25% · 3.875%
HK$46,175
−HK$1,224/mo
Today · 4.125%
HK$47,399
baseline
▲ 0.50% · 4.625%
HK$49,897
+HK$2,498/mo
Deposit HK$3.80M · loan HK$8.86M · min. income ≈ HK$94,798/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$474,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,971
−HK$3,259/mo
▼ 0.25% · 3.875%
HK$53,588
−HK$1,642/mo
Today · 4.125%
HK$55,230
baseline
▲ 0.50% · 4.625%
HK$58,591
+HK$3,361/mo
Deposit HK$1.27M · loan HK$11.40M · min. income ≈ HK$110,460/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$474,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,818
−HK$3,123/mo
▼ 0.25% · 3.875%
HK$59,368
−HK$1,573/mo
Today · 4.125%
HK$60,941
baseline
▲ 0.50% · 4.625%
HK$64,154
+HK$3,213/mo
Deposit HK$1.27M · loan HK$11.40M · min. income ≈ HK$121,882/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$474,831 · Scale 2, in force from 26 Feb 2026)