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$28,773
−HK$1,804/mo
▼ 0.25% · 3.875%
HK$29,668
−HK$909/mo
Today · 4.125%
HK$30,577
baseline
▲ 0.50% · 4.625%
HK$32,437
+HK$1,860/mo
Deposit HK$6.31M · loan HK$6.31M · min. income ≈ HK$61,154/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$473,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,009
−HK$1,730/mo
▼ 0.25% · 3.875%
HK$32,868
−HK$871/mo
Today · 4.125%
HK$33,739
baseline
▲ 0.50% · 4.625%
HK$35,517
+HK$1,778/mo
Deposit HK$6.31M · loan HK$6.31M · min. income ≈ HK$67,478/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$473,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,527
−HK$2,165/mo
▼ 0.25% · 3.875%
HK$35,601
−HK$1,091/mo
Today · 4.125%
HK$36,692
baseline
▲ 0.50% · 4.625%
HK$38,925
+HK$2,233/mo
Deposit HK$5.05M · loan HK$7.57M · min. income ≈ HK$73,384/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$473,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,411
−HK$2,075/mo
▼ 0.25% · 3.875%
HK$39,441
−HK$1,045/mo
Today · 4.125%
HK$40,486
baseline
▲ 0.50% · 4.625%
HK$42,620
+HK$2,134/mo
Deposit HK$5.05M · loan HK$7.57M · min. income ≈ HK$80,972/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$473,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,282
−HK$2,526/mo
▼ 0.25% · 3.875%
HK$41,535
−HK$1,273/mo
Today · 4.125%
HK$42,808
baseline
▲ 0.50% · 4.625%
HK$45,412
+HK$2,604/mo
Deposit HK$3.79M · loan HK$8.83M · min. income ≈ HK$85,616/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$473,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,813
−HK$2,421/mo
▼ 0.25% · 3.875%
HK$46,015
−HK$1,219/mo
Today · 4.125%
HK$47,234
baseline
▲ 0.50% · 4.625%
HK$49,724
+HK$2,490/mo
Deposit HK$3.79M · loan HK$8.83M · min. income ≈ HK$94,468/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$473,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,791
−HK$3,247/mo
▼ 0.25% · 3.875%
HK$53,402
−HK$1,636/mo
Today · 4.125%
HK$55,038
baseline
▲ 0.50% · 4.625%
HK$58,387
+HK$3,349/mo
Deposit HK$1.26M · loan HK$11.36M · min. income ≈ HK$110,076/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$473,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,617
−HK$3,113/mo
▼ 0.25% · 3.875%
HK$59,162
−HK$1,568/mo
Today · 4.125%
HK$60,730
baseline
▲ 0.50% · 4.625%
HK$63,931
+HK$3,201/mo
Deposit HK$1.26M · loan HK$11.36M · min. income ≈ HK$121,460/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$473,181 · Scale 2, in force from 26 Feb 2026)