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$28,845
−HK$1,808/mo
▼ 0.25% · 3.875%
HK$29,742
−HK$911/mo
Today · 4.125%
HK$30,653
baseline
▲ 0.50% · 4.625%
HK$32,519
+HK$1,866/mo
Deposit HK$6.32M · loan HK$6.32M · min. income ≈ HK$61,306/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$474,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,089
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$32,950
−HK$873/mo
Today · 4.125%
HK$33,823
baseline
▲ 0.50% · 4.625%
HK$35,606
+HK$1,783/mo
Deposit HK$6.32M · loan HK$6.32M · min. income ≈ HK$67,646/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$474,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,613
−HK$2,171/mo
▼ 0.25% · 3.875%
HK$35,690
−HK$1,094/mo
Today · 4.125%
HK$36,784
baseline
▲ 0.50% · 4.625%
HK$39,022
+HK$2,238/mo
Deposit HK$5.06M · loan HK$7.59M · min. income ≈ HK$73,568/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$474,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,507
−HK$2,081/mo
▼ 0.25% · 3.875%
HK$39,540
−HK$1,048/mo
Today · 4.125%
HK$40,588
baseline
▲ 0.50% · 4.625%
HK$42,727
+HK$2,139/mo
Deposit HK$5.06M · loan HK$7.59M · min. income ≈ HK$81,176/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$474,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,382
−HK$2,533/mo
▼ 0.25% · 3.875%
HK$41,638
−HK$1,277/mo
Today · 4.125%
HK$42,915
baseline
▲ 0.50% · 4.625%
HK$45,526
+HK$2,611/mo
Deposit HK$3.79M · loan HK$8.85M · min. income ≈ HK$85,830/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$474,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,925
−HK$2,427/mo
▼ 0.25% · 3.875%
HK$46,130
−HK$1,222/mo
Today · 4.125%
HK$47,352
baseline
▲ 0.50% · 4.625%
HK$49,848
+HK$2,496/mo
Deposit HK$3.79M · loan HK$8.85M · min. income ≈ HK$94,704/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$474,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,920
−HK$3,256/mo
▼ 0.25% · 3.875%
HK$53,535
−HK$1,641/mo
Today · 4.125%
HK$55,176
baseline
▲ 0.50% · 4.625%
HK$58,533
+HK$3,357/mo
Deposit HK$1.26M · loan HK$11.38M · min. income ≈ HK$110,352/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$474,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,761
−HK$3,120/mo
▼ 0.25% · 3.875%
HK$59,310
−HK$1,571/mo
Today · 4.125%
HK$60,881
baseline
▲ 0.50% · 4.625%
HK$64,090
+HK$3,209/mo
Deposit HK$1.26M · loan HK$11.38M · min. income ≈ HK$121,762/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$474,364 · Scale 2, in force from 26 Feb 2026)