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$28,896
−HK$1,812/mo
▼ 0.25% · 3.875%
HK$29,794
−HK$914/mo
Today · 4.125%
HK$30,708
baseline
▲ 0.50% · 4.625%
HK$32,576
+HK$1,868/mo
Deposit HK$6.34M · loan HK$6.34M · min. income ≈ HK$61,416/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$475,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,146
−HK$1,737/mo
▼ 0.25% · 3.875%
HK$33,008
−HK$875/mo
Today · 4.125%
HK$33,883
baseline
▲ 0.50% · 4.625%
HK$35,669
+HK$1,786/mo
Deposit HK$6.34M · loan HK$6.34M · min. income ≈ HK$67,766/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$475,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,675
−HK$2,174/mo
▼ 0.25% · 3.875%
HK$35,753
−HK$1,096/mo
Today · 4.125%
HK$36,849
baseline
▲ 0.50% · 4.625%
HK$39,091
+HK$2,242/mo
Deposit HK$5.07M · loan HK$7.60M · min. income ≈ HK$73,698/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$475,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,575
−HK$2,084/mo
▼ 0.25% · 3.875%
HK$39,610
−HK$1,049/mo
Today · 4.125%
HK$40,659
baseline
▲ 0.50% · 4.625%
HK$42,802
+HK$2,143/mo
Deposit HK$5.07M · loan HK$7.60M · min. income ≈ HK$81,318/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$475,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,454
−HK$2,537/mo
▼ 0.25% · 3.875%
HK$41,712
−HK$1,279/mo
Today · 4.125%
HK$42,991
baseline
▲ 0.50% · 4.625%
HK$45,606
+HK$2,615/mo
Deposit HK$3.80M · loan HK$8.87M · min. income ≈ HK$85,982/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,004
−HK$2,432/mo
▼ 0.25% · 3.875%
HK$46,211
−HK$1,225/mo
Today · 4.125%
HK$47,436
baseline
▲ 0.50% · 4.625%
HK$49,936
+HK$2,500/mo
Deposit HK$3.80M · loan HK$8.87M · min. income ≈ HK$94,872/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,012
−HK$3,262/mo
▼ 0.25% · 3.875%
HK$53,630
−HK$1,644/mo
Today · 4.125%
HK$55,274
baseline
▲ 0.50% · 4.625%
HK$58,637
+HK$3,363/mo
Deposit HK$1.27M · loan HK$11.40M · min. income ≈ HK$110,548/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$475,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,863
−HK$3,126/mo
▼ 0.25% · 3.875%
HK$59,415
−HK$1,574/mo
Today · 4.125%
HK$60,989
baseline
▲ 0.50% · 4.625%
HK$64,204
+HK$3,215/mo
Deposit HK$1.27M · loan HK$11.40M · min. income ≈ HK$121,978/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$475,202 · Scale 2, in force from 26 Feb 2026)