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$28,887
−HK$1,812/mo
▼ 0.25% · 3.875%
HK$29,786
−HK$913/mo
Today · 4.125%
HK$30,699
baseline
▲ 0.50% · 4.625%
HK$32,567
+HK$1,868/mo
Deposit HK$6.33M · loan HK$6.33M · min. income ≈ HK$61,398/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$475,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,137
−HK$1,736/mo
▼ 0.25% · 3.875%
HK$32,999
−HK$874/mo
Today · 4.125%
HK$33,873
baseline
▲ 0.50% · 4.625%
HK$35,658
+HK$1,785/mo
Deposit HK$6.33M · loan HK$6.33M · min. income ≈ HK$67,746/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$475,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,665
−HK$2,173/mo
▼ 0.25% · 3.875%
HK$35,743
−HK$1,095/mo
Today · 4.125%
HK$36,838
baseline
▲ 0.50% · 4.625%
HK$39,080
+HK$2,242/mo
Deposit HK$5.07M · loan HK$7.60M · min. income ≈ HK$73,676/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$475,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,564
−HK$2,083/mo
▼ 0.25% · 3.875%
HK$39,598
−HK$1,049/mo
Today · 4.125%
HK$40,647
baseline
▲ 0.50% · 4.625%
HK$42,790
+HK$2,143/mo
Deposit HK$5.07M · loan HK$7.60M · min. income ≈ HK$81,294/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$475,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,442
−HK$2,536/mo
▼ 0.25% · 3.875%
HK$41,700
−HK$1,278/mo
Today · 4.125%
HK$42,978
baseline
▲ 0.50% · 4.625%
HK$45,593
+HK$2,615/mo
Deposit HK$3.80M · loan HK$8.87M · min. income ≈ HK$85,956/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,991
−HK$2,431/mo
▼ 0.25% · 3.875%
HK$46,198
−HK$1,224/mo
Today · 4.125%
HK$47,422
baseline
▲ 0.50% · 4.625%
HK$49,922
+HK$2,500/mo
Deposit HK$3.80M · loan HK$8.87M · min. income ≈ HK$94,844/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,997
−HK$3,261/mo
▼ 0.25% · 3.875%
HK$53,614
−HK$1,644/mo
Today · 4.125%
HK$55,258
baseline
▲ 0.50% · 4.625%
HK$58,620
+HK$3,362/mo
Deposit HK$1.27M · loan HK$11.40M · min. income ≈ HK$110,516/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$475,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,846
−HK$3,125/mo
▼ 0.25% · 3.875%
HK$59,397
−HK$1,574/mo
Today · 4.125%
HK$60,971
baseline
▲ 0.50% · 4.625%
HK$64,185
+HK$3,214/mo
Deposit HK$1.27M · loan HK$11.40M · min. income ≈ HK$121,942/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$475,065 · Scale 2, in force from 26 Feb 2026)