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$28,835
−HK$1,809/mo
▼ 0.25% · 3.875%
HK$29,732
−HK$912/mo
Today · 4.125%
HK$30,644
baseline
▲ 0.50% · 4.625%
HK$32,508
+HK$1,864/mo
Deposit HK$6.32M · loan HK$6.32M · min. income ≈ HK$61,288/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$474,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,079
−HK$1,733/mo
▼ 0.25% · 3.875%
HK$32,939
−HK$873/mo
Today · 4.125%
HK$33,812
baseline
▲ 0.50% · 4.625%
HK$35,594
+HK$1,782/mo
Deposit HK$6.32M · loan HK$6.32M · min. income ≈ HK$67,624/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$474,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,602
−HK$2,170/mo
▼ 0.25% · 3.875%
HK$35,679
−HK$1,093/mo
Today · 4.125%
HK$36,772
baseline
▲ 0.50% · 4.625%
HK$39,010
+HK$2,238/mo
Deposit HK$5.06M · loan HK$7.59M · min. income ≈ HK$73,544/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$474,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,495
−HK$2,080/mo
▼ 0.25% · 3.875%
HK$39,527
−HK$1,048/mo
Today · 4.125%
HK$40,575
baseline
▲ 0.50% · 4.625%
HK$42,713
+HK$2,138/mo
Deposit HK$5.06M · loan HK$7.59M · min. income ≈ HK$81,150/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$474,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,369
−HK$2,532/mo
▼ 0.25% · 3.875%
HK$41,625
−HK$1,276/mo
Today · 4.125%
HK$42,901
baseline
▲ 0.50% · 4.625%
HK$45,511
+HK$2,610/mo
Deposit HK$3.79M · loan HK$8.85M · min. income ≈ HK$85,802/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$474,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,911
−HK$2,426/mo
▼ 0.25% · 3.875%
HK$46,115
−HK$1,222/mo
Today · 4.125%
HK$47,337
baseline
▲ 0.50% · 4.625%
HK$49,832
+HK$2,495/mo
Deposit HK$3.79M · loan HK$8.85M · min. income ≈ HK$94,674/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$474,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,904
−HK$3,254/mo
▼ 0.25% · 3.875%
HK$53,518
−HK$1,640/mo
Today · 4.125%
HK$55,158
baseline
▲ 0.50% · 4.625%
HK$58,515
+HK$3,357/mo
Deposit HK$1.26M · loan HK$11.38M · min. income ≈ HK$110,316/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$474,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,742
−HK$3,120/mo
▼ 0.25% · 3.875%
HK$59,291
−HK$1,571/mo
Today · 4.125%
HK$60,862
baseline
▲ 0.50% · 4.625%
HK$64,070
+HK$3,208/mo
Deposit HK$1.26M · loan HK$11.38M · min. income ≈ HK$121,724/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$474,212 · Scale 2, in force from 26 Feb 2026)