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$28,848
−HK$1,809/mo
▼ 0.25% · 3.875%
HK$29,745
−HK$912/mo
Today · 4.125%
HK$30,657
baseline
▲ 0.50% · 4.625%
HK$32,522
+HK$1,865/mo
Deposit HK$6.33M · loan HK$6.33M · min. income ≈ HK$61,314/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$474,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,093
−HK$1,733/mo
▼ 0.25% · 3.875%
HK$32,953
−HK$873/mo
Today · 4.125%
HK$33,826
baseline
▲ 0.50% · 4.625%
HK$35,609
+HK$1,783/mo
Deposit HK$6.33M · loan HK$6.33M · min. income ≈ HK$67,652/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$474,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,617
−HK$2,171/mo
▼ 0.25% · 3.875%
HK$35,694
−HK$1,094/mo
Today · 4.125%
HK$36,788
baseline
▲ 0.50% · 4.625%
HK$39,026
+HK$2,238/mo
Deposit HK$5.06M · loan HK$7.59M · min. income ≈ HK$73,576/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$474,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,511
−HK$2,081/mo
▼ 0.25% · 3.875%
HK$39,544
−HK$1,048/mo
Today · 4.125%
HK$40,592
baseline
▲ 0.50% · 4.625%
HK$42,731
+HK$2,139/mo
Deposit HK$5.06M · loan HK$7.59M · min. income ≈ HK$81,184/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$474,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,387
−HK$2,532/mo
▼ 0.25% · 3.875%
HK$41,643
−HK$1,276/mo
Today · 4.125%
HK$42,919
baseline
▲ 0.50% · 4.625%
HK$45,531
+HK$2,612/mo
Deposit HK$3.80M · loan HK$8.86M · min. income ≈ HK$85,838/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$474,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,930
−HK$2,427/mo
▼ 0.25% · 3.875%
HK$46,135
−HK$1,222/mo
Today · 4.125%
HK$47,357
baseline
▲ 0.50% · 4.625%
HK$49,853
+HK$2,496/mo
Deposit HK$3.80M · loan HK$8.86M · min. income ≈ HK$94,714/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$474,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,926
−HK$3,256/mo
▼ 0.25% · 3.875%
HK$53,541
−HK$1,641/mo
Today · 4.125%
HK$55,182
baseline
▲ 0.50% · 4.625%
HK$58,539
+HK$3,357/mo
Deposit HK$1.27M · loan HK$11.39M · min. income ≈ HK$110,364/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$474,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,767
−HK$3,121/mo
▼ 0.25% · 3.875%
HK$59,316
−HK$1,572/mo
Today · 4.125%
HK$60,888
baseline
▲ 0.50% · 4.625%
HK$64,097
+HK$3,209/mo
Deposit HK$1.27M · loan HK$11.39M · min. income ≈ HK$121,776/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$474,413 · Scale 2, in force from 26 Feb 2026)