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$28,906
−HK$1,813/mo
▼ 0.25% · 3.875%
HK$29,805
−HK$914/mo
Today · 4.125%
HK$30,719
baseline
▲ 0.50% · 4.625%
HK$32,588
+HK$1,869/mo
Deposit HK$6.34M · loan HK$6.34M · min. income ≈ HK$61,438/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$475,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,158
−HK$1,737/mo
▼ 0.25% · 3.875%
HK$33,020
−HK$875/mo
Today · 4.125%
HK$33,895
baseline
▲ 0.50% · 4.625%
HK$35,682
+HK$1,787/mo
Deposit HK$6.34M · loan HK$6.34M · min. income ≈ HK$67,790/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$475,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,687
−HK$2,175/mo
▼ 0.25% · 3.875%
HK$35,766
−HK$1,096/mo
Today · 4.125%
HK$36,862
baseline
▲ 0.50% · 4.625%
HK$39,105
+HK$2,243/mo
Deposit HK$5.07M · loan HK$7.61M · min. income ≈ HK$73,724/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$475,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,589
−HK$2,085/mo
▼ 0.25% · 3.875%
HK$39,624
−HK$1,050/mo
Today · 4.125%
HK$40,674
baseline
▲ 0.50% · 4.625%
HK$42,818
+HK$2,144/mo
Deposit HK$5.07M · loan HK$7.61M · min. income ≈ HK$81,348/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$475,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,468
−HK$2,538/mo
▼ 0.25% · 3.875%
HK$41,727
−HK$1,279/mo
Today · 4.125%
HK$43,006
baseline
▲ 0.50% · 4.625%
HK$45,623
+HK$2,617/mo
Deposit HK$3.80M · loan HK$8.87M · min. income ≈ HK$86,012/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,021
−HK$2,432/mo
▼ 0.25% · 3.875%
HK$46,228
−HK$1,225/mo
Today · 4.125%
HK$47,453
baseline
▲ 0.50% · 4.625%
HK$49,954
+HK$2,501/mo
Deposit HK$3.80M · loan HK$8.87M · min. income ≈ HK$94,906/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,031
−HK$3,262/mo
▼ 0.25% · 3.875%
HK$53,649
−HK$1,644/mo
Today · 4.125%
HK$55,293
baseline
▲ 0.50% · 4.625%
HK$58,658
+HK$3,365/mo
Deposit HK$1.27M · loan HK$11.41M · min. income ≈ HK$110,586/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$475,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,884
−HK$3,127/mo
▼ 0.25% · 3.875%
HK$59,436
−HK$1,575/mo
Today · 4.125%
HK$61,011
baseline
▲ 0.50% · 4.625%
HK$64,227
+HK$3,216/mo
Deposit HK$1.27M · loan HK$11.41M · min. income ≈ HK$122,022/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$475,373 · Scale 2, in force from 26 Feb 2026)