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$28,840
−HK$1,808/mo
▼ 0.25% · 3.875%
HK$29,737
−HK$911/mo
Today · 4.125%
HK$30,648
baseline
▲ 0.50% · 4.625%
HK$32,513
+HK$1,865/mo
Deposit HK$6.32M · loan HK$6.32M · min. income ≈ HK$61,296/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$474,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,084
−HK$1,733/mo
▼ 0.25% · 3.875%
HK$32,944
−HK$873/mo
Today · 4.125%
HK$33,817
baseline
▲ 0.50% · 4.625%
HK$35,600
+HK$1,783/mo
Deposit HK$6.32M · loan HK$6.32M · min. income ≈ HK$67,634/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$474,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,608
−HK$2,170/mo
▼ 0.25% · 3.875%
HK$35,684
−HK$1,094/mo
Today · 4.125%
HK$36,778
baseline
▲ 0.50% · 4.625%
HK$39,016
+HK$2,238/mo
Deposit HK$5.06M · loan HK$7.59M · min. income ≈ HK$73,556/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$474,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,501
−HK$2,080/mo
▼ 0.25% · 3.875%
HK$39,533
−HK$1,048/mo
Today · 4.125%
HK$40,581
baseline
▲ 0.50% · 4.625%
HK$42,720
+HK$2,139/mo
Deposit HK$5.06M · loan HK$7.59M · min. income ≈ HK$81,162/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$474,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,375
−HK$2,532/mo
▼ 0.25% · 3.875%
HK$41,631
−HK$1,276/mo
Today · 4.125%
HK$42,907
baseline
▲ 0.50% · 4.625%
HK$45,518
+HK$2,611/mo
Deposit HK$3.79M · loan HK$8.85M · min. income ≈ HK$85,814/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$474,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,917
−HK$2,427/mo
▼ 0.25% · 3.875%
HK$46,122
−HK$1,222/mo
Today · 4.125%
HK$47,344
baseline
▲ 0.50% · 4.625%
HK$49,840
+HK$2,496/mo
Deposit HK$3.79M · loan HK$8.85M · min. income ≈ HK$94,688/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$474,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,911
−HK$3,256/mo
▼ 0.25% · 3.875%
HK$53,526
−HK$1,641/mo
Today · 4.125%
HK$55,167
baseline
▲ 0.50% · 4.625%
HK$58,523
+HK$3,356/mo
Deposit HK$1.26M · loan HK$11.38M · min. income ≈ HK$110,334/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$474,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,751
−HK$3,120/mo
▼ 0.25% · 3.875%
HK$59,300
−HK$1,571/mo
Today · 4.125%
HK$60,871
baseline
▲ 0.50% · 4.625%
HK$64,079
+HK$3,208/mo
Deposit HK$1.26M · loan HK$11.38M · min. income ≈ HK$121,742/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$474,283 · Scale 2, in force from 26 Feb 2026)