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$28,776
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$29,672
−HK$909/mo
Today · 4.125%
HK$30,581
baseline
▲ 0.50% · 4.625%
HK$32,442
+HK$1,861/mo
Deposit HK$6.31M · loan HK$6.31M · min. income ≈ HK$61,162/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$473,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,014
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$32,872
−HK$871/mo
Today · 4.125%
HK$33,743
baseline
▲ 0.50% · 4.625%
HK$35,522
+HK$1,779/mo
Deposit HK$6.31M · loan HK$6.31M · min. income ≈ HK$67,486/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$473,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,532
−HK$2,165/mo
▼ 0.25% · 3.875%
HK$35,606
−HK$1,091/mo
Today · 4.125%
HK$36,697
baseline
▲ 0.50% · 4.625%
HK$38,930
+HK$2,233/mo
Deposit HK$5.05M · loan HK$7.57M · min. income ≈ HK$73,394/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$473,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,416
−HK$2,076/mo
▼ 0.25% · 3.875%
HK$39,447
−HK$1,045/mo
Today · 4.125%
HK$40,492
baseline
▲ 0.50% · 4.625%
HK$42,626
+HK$2,134/mo
Deposit HK$5.05M · loan HK$7.57M · min. income ≈ HK$80,984/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$473,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,287
−HK$2,526/mo
▼ 0.25% · 3.875%
HK$41,540
−HK$1,273/mo
Today · 4.125%
HK$42,813
baseline
▲ 0.50% · 4.625%
HK$45,418
+HK$2,605/mo
Deposit HK$3.79M · loan HK$8.83M · min. income ≈ HK$85,626/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$473,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,819
−HK$2,421/mo
▼ 0.25% · 3.875%
HK$46,021
−HK$1,219/mo
Today · 4.125%
HK$47,240
baseline
▲ 0.50% · 4.625%
HK$49,730
+HK$2,490/mo
Deposit HK$3.79M · loan HK$8.83M · min. income ≈ HK$94,480/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$473,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,798
−HK$3,248/mo
▼ 0.25% · 3.875%
HK$53,409
−HK$1,637/mo
Today · 4.125%
HK$55,046
baseline
▲ 0.50% · 4.625%
HK$58,395
+HK$3,349/mo
Deposit HK$1.26M · loan HK$11.36M · min. income ≈ HK$110,092/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$473,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,624
−HK$3,114/mo
▼ 0.25% · 3.875%
HK$59,170
−HK$1,568/mo
Today · 4.125%
HK$60,738
baseline
▲ 0.50% · 4.625%
HK$63,939
+HK$3,201/mo
Deposit HK$1.26M · loan HK$11.36M · min. income ≈ HK$121,476/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$473,244 · Scale 2, in force from 26 Feb 2026)