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$28,919
−HK$1,814/mo
▼ 0.25% · 3.875%
HK$29,819
−HK$914/mo
Today · 4.125%
HK$30,733
baseline
▲ 0.50% · 4.625%
HK$32,603
+HK$1,870/mo
Deposit HK$6.34M · loan HK$6.34M · min. income ≈ HK$61,466/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$475,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,172
−HK$1,739/mo
▼ 0.25% · 3.875%
HK$33,035
−HK$876/mo
Today · 4.125%
HK$33,911
baseline
▲ 0.50% · 4.625%
HK$35,698
+HK$1,787/mo
Deposit HK$6.34M · loan HK$6.34M · min. income ≈ HK$67,822/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$475,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,703
−HK$2,176/mo
▼ 0.25% · 3.875%
HK$35,783
−HK$1,096/mo
Today · 4.125%
HK$36,879
baseline
▲ 0.50% · 4.625%
HK$39,123
+HK$2,244/mo
Deposit HK$5.07M · loan HK$7.61M · min. income ≈ HK$73,758/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$475,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,607
−HK$2,086/mo
▼ 0.25% · 3.875%
HK$39,642
−HK$1,051/mo
Today · 4.125%
HK$40,693
baseline
▲ 0.50% · 4.625%
HK$42,838
+HK$2,145/mo
Deposit HK$5.07M · loan HK$7.61M · min. income ≈ HK$81,386/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$475,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,487
−HK$2,539/mo
▼ 0.25% · 3.875%
HK$41,746
−HK$1,280/mo
Today · 4.125%
HK$43,026
baseline
▲ 0.50% · 4.625%
HK$45,644
+HK$2,618/mo
Deposit HK$3.80M · loan HK$8.88M · min. income ≈ HK$86,052/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,041
−HK$2,434/mo
▼ 0.25% · 3.875%
HK$46,249
−HK$1,226/mo
Today · 4.125%
HK$47,475
baseline
▲ 0.50% · 4.625%
HK$49,977
+HK$2,502/mo
Deposit HK$3.80M · loan HK$8.88M · min. income ≈ HK$94,950/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,055
−HK$3,264/mo
▼ 0.25% · 3.875%
HK$53,674
−HK$1,645/mo
Today · 4.125%
HK$55,319
baseline
▲ 0.50% · 4.625%
HK$58,685
+HK$3,366/mo
Deposit HK$1.27M · loan HK$11.41M · min. income ≈ HK$110,638/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$475,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,910
−HK$3,129/mo
▼ 0.25% · 3.875%
HK$59,463
−HK$1,576/mo
Today · 4.125%
HK$61,039
baseline
▲ 0.50% · 4.625%
HK$64,256
+HK$3,217/mo
Deposit HK$1.27M · loan HK$11.41M · min. income ≈ HK$122,078/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$475,592 · Scale 2, in force from 26 Feb 2026)