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$28,783
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$29,678
−HK$910/mo
Today · 4.125%
HK$30,588
baseline
▲ 0.50% · 4.625%
HK$32,449
+HK$1,861/mo
Deposit HK$6.31M · loan HK$6.31M · min. income ≈ HK$61,176/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$473,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,021
−HK$1,730/mo
▼ 0.25% · 3.875%
HK$32,879
−HK$872/mo
Today · 4.125%
HK$33,751
baseline
▲ 0.50% · 4.625%
HK$35,530
+HK$1,779/mo
Deposit HK$6.31M · loan HK$6.31M · min. income ≈ HK$67,502/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$473,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,539
−HK$2,166/mo
▼ 0.25% · 3.875%
HK$35,614
−HK$1,091/mo
Today · 4.125%
HK$36,705
baseline
▲ 0.50% · 4.625%
HK$38,939
+HK$2,234/mo
Deposit HK$5.05M · loan HK$7.57M · min. income ≈ HK$73,410/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$473,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,425
−HK$2,076/mo
▼ 0.25% · 3.875%
HK$39,455
−HK$1,046/mo
Today · 4.125%
HK$40,501
baseline
▲ 0.50% · 4.625%
HK$42,635
+HK$2,134/mo
Deposit HK$5.05M · loan HK$7.57M · min. income ≈ HK$81,002/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$473,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,296
−HK$2,527/mo
▼ 0.25% · 3.875%
HK$41,549
−HK$1,274/mo
Today · 4.125%
HK$42,823
baseline
▲ 0.50% · 4.625%
HK$45,428
+HK$2,605/mo
Deposit HK$3.79M · loan HK$8.84M · min. income ≈ HK$85,646/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$473,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,829
−HK$2,422/mo
▼ 0.25% · 3.875%
HK$46,031
−HK$1,220/mo
Today · 4.125%
HK$47,251
baseline
▲ 0.50% · 4.625%
HK$49,741
+HK$2,490/mo
Deposit HK$3.79M · loan HK$8.84M · min. income ≈ HK$94,502/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$473,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,809
−HK$3,249/mo
▼ 0.25% · 3.875%
HK$53,421
−HK$1,637/mo
Today · 4.125%
HK$55,058
baseline
▲ 0.50% · 4.625%
HK$58,408
+HK$3,350/mo
Deposit HK$1.26M · loan HK$11.36M · min. income ≈ HK$110,116/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$473,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,637
−HK$3,114/mo
▼ 0.25% · 3.875%
HK$59,183
−HK$1,568/mo
Today · 4.125%
HK$60,751
baseline
▲ 0.50% · 4.625%
HK$63,953
+HK$3,202/mo
Deposit HK$1.26M · loan HK$11.36M · min. income ≈ HK$121,502/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$473,348 · Scale 2, in force from 26 Feb 2026)