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$1,811/mo
▼ 0.25% · 3.875%
HK$29,785
−HK$913/mo
Today · 4.125%
HK$30,698
baseline
▲ 0.50% · 4.625%
HK$32,566
+HK$1,868/mo
Deposit HK$6.33M · loan HK$6.33M · min. income ≈ HK$61,396/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$475,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,136
−HK$1,736/mo
▼ 0.25% · 3.875%
HK$32,998
−HK$874/mo
Today · 4.125%
HK$33,872
baseline
▲ 0.50% · 4.625%
HK$35,658
+HK$1,786/mo
Deposit HK$6.33M · loan HK$6.33M · min. income ≈ HK$67,744/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$475,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,664
−HK$2,174/mo
▼ 0.25% · 3.875%
HK$35,742
−HK$1,096/mo
Today · 4.125%
HK$36,838
baseline
▲ 0.50% · 4.625%
HK$39,079
+HK$2,241/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$475,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,563
−HK$2,084/mo
▼ 0.25% · 3.875%
HK$39,597
−HK$1,050/mo
Today · 4.125%
HK$40,647
baseline
▲ 0.50% · 4.625%
HK$42,789
+HK$2,142/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$475,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,441
−HK$2,536/mo
▼ 0.25% · 3.875%
HK$41,699
−HK$1,278/mo
Today · 4.125%
HK$42,977
baseline
▲ 0.50% · 4.625%
HK$45,592
+HK$2,615/mo
Deposit HK$3.80M · loan HK$8.87M · min. income ≈ HK$85,954/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,990
−HK$2,431/mo
▼ 0.25% · 3.875%
HK$46,197
−HK$1,224/mo
Today · 4.125%
HK$47,421
baseline
▲ 0.50% · 4.625%
HK$49,921
+HK$2,500/mo
Deposit HK$3.80M · loan HK$8.87M · min. income ≈ HK$94,842/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,996
−HK$3,260/mo
▼ 0.25% · 3.875%
HK$53,613
−HK$1,643/mo
Today · 4.125%
HK$55,256
baseline
▲ 0.50% · 4.625%
HK$58,619
+HK$3,363/mo
Deposit HK$1.27M · loan HK$11.40M · min. income ≈ HK$110,512/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$475,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,845
−HK$3,125/mo
▼ 0.25% · 3.875%
HK$59,396
−HK$1,574/mo
Today · 4.125%
HK$60,970
baseline
▲ 0.50% · 4.625%
HK$64,184
+HK$3,214/mo
Deposit HK$1.27M · loan HK$11.40M · min. income ≈ HK$121,940/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$475,055 · Scale 2, in force from 26 Feb 2026)