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$28,802
−HK$1,807/mo
▼ 0.25% · 3.875%
HK$29,698
−HK$911/mo
Today · 4.125%
HK$30,609
baseline
▲ 0.50% · 4.625%
HK$32,471
+HK$1,862/mo
Deposit HK$6.32M · loan HK$6.32M · min. income ≈ HK$61,218/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$473,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,042
−HK$1,731/mo
▼ 0.25% · 3.875%
HK$32,902
−HK$871/mo
Today · 4.125%
HK$33,773
baseline
▲ 0.50% · 4.625%
HK$35,554
+HK$1,781/mo
Deposit HK$6.32M · loan HK$6.32M · min. income ≈ HK$67,546/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$473,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,563
−HK$2,167/mo
▼ 0.25% · 3.875%
HK$35,638
−HK$1,092/mo
Today · 4.125%
HK$36,730
baseline
▲ 0.50% · 4.625%
HK$38,965
+HK$2,235/mo
Deposit HK$5.05M · loan HK$7.58M · min. income ≈ HK$73,460/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$473,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,451
−HK$2,077/mo
▼ 0.25% · 3.875%
HK$39,482
−HK$1,046/mo
Today · 4.125%
HK$40,528
baseline
▲ 0.50% · 4.625%
HK$42,664
+HK$2,136/mo
Deposit HK$5.05M · loan HK$7.58M · min. income ≈ HK$81,056/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$473,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,323
−HK$2,529/mo
▼ 0.25% · 3.875%
HK$41,578
−HK$1,274/mo
Today · 4.125%
HK$42,852
baseline
▲ 0.50% · 4.625%
HK$45,459
+HK$2,607/mo
Deposit HK$3.79M · loan HK$8.84M · min. income ≈ HK$85,704/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$473,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,859
−HK$2,424/mo
▼ 0.25% · 3.875%
HK$46,062
−HK$1,221/mo
Today · 4.125%
HK$47,283
baseline
▲ 0.50% · 4.625%
HK$49,775
+HK$2,492/mo
Deposit HK$3.79M · loan HK$8.84M · min. income ≈ HK$94,566/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$473,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,844
−HK$3,251/mo
▼ 0.25% · 3.875%
HK$53,457
−HK$1,638/mo
Today · 4.125%
HK$55,095
baseline
▲ 0.50% · 4.625%
HK$58,448
+HK$3,353/mo
Deposit HK$1.26M · loan HK$11.37M · min. income ≈ HK$110,190/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$473,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,676
−HK$3,116/mo
▼ 0.25% · 3.875%
HK$59,223
−HK$1,569/mo
Today · 4.125%
HK$60,792
baseline
▲ 0.50% · 4.625%
HK$63,997
+HK$3,205/mo
Deposit HK$1.26M · loan HK$11.37M · min. income ≈ HK$121,584/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$473,670 · Scale 2, in force from 26 Feb 2026)