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$28,854
−HK$1,809/mo
▼ 0.25% · 3.875%
HK$29,751
−HK$912/mo
Today · 4.125%
HK$30,663
baseline
▲ 0.50% · 4.625%
HK$32,529
+HK$1,866/mo
Deposit HK$6.33M · loan HK$6.33M · min. income ≈ HK$61,326/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$474,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,100
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$32,960
−HK$874/mo
Today · 4.125%
HK$33,834
baseline
▲ 0.50% · 4.625%
HK$35,617
+HK$1,783/mo
Deposit HK$6.33M · loan HK$6.33M · min. income ≈ HK$67,668/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$474,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,625
−HK$2,171/mo
▼ 0.25% · 3.875%
HK$35,702
−HK$1,094/mo
Today · 4.125%
HK$36,796
baseline
▲ 0.50% · 4.625%
HK$39,035
+HK$2,239/mo
Deposit HK$5.06M · loan HK$7.59M · min. income ≈ HK$73,592/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$474,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,519
−HK$2,082/mo
▼ 0.25% · 3.875%
HK$39,552
−HK$1,049/mo
Today · 4.125%
HK$40,601
baseline
▲ 0.50% · 4.625%
HK$42,741
+HK$2,140/mo
Deposit HK$5.06M · loan HK$7.59M · min. income ≈ HK$81,202/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$474,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,395
−HK$2,533/mo
▼ 0.25% · 3.875%
HK$41,652
−HK$1,276/mo
Today · 4.125%
HK$42,928
baseline
▲ 0.50% · 4.625%
HK$45,540
+HK$2,612/mo
Deposit HK$3.80M · loan HK$8.86M · min. income ≈ HK$85,856/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$474,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,939
−HK$2,428/mo
▼ 0.25% · 3.875%
HK$46,145
−HK$1,222/mo
Today · 4.125%
HK$47,367
baseline
▲ 0.50% · 4.625%
HK$49,864
+HK$2,497/mo
Deposit HK$3.80M · loan HK$8.86M · min. income ≈ HK$94,734/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$474,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,937
−HK$3,257/mo
▼ 0.25% · 3.875%
HK$53,552
−HK$1,642/mo
Today · 4.125%
HK$55,194
baseline
▲ 0.50% · 4.625%
HK$58,552
+HK$3,358/mo
Deposit HK$1.27M · loan HK$11.39M · min. income ≈ HK$110,388/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$474,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,779
−HK$3,122/mo
▼ 0.25% · 3.875%
HK$59,329
−HK$1,572/mo
Today · 4.125%
HK$60,901
baseline
▲ 0.50% · 4.625%
HK$64,111
+HK$3,210/mo
Deposit HK$1.27M · loan HK$11.39M · min. income ≈ HK$121,802/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$474,516 · Scale 2, in force from 26 Feb 2026)