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$28,789
−HK$1,806/mo
▼ 0.25% · 3.875%
HK$29,685
−HK$910/mo
Today · 4.125%
HK$30,595
baseline
▲ 0.50% · 4.625%
HK$32,456
+HK$1,861/mo
Deposit HK$6.31M · loan HK$6.31M · min. income ≈ HK$61,190/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$473,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,028
−HK$1,730/mo
▼ 0.25% · 3.875%
HK$32,887
−HK$871/mo
Today · 4.125%
HK$33,758
baseline
▲ 0.50% · 4.625%
HK$35,538
+HK$1,780/mo
Deposit HK$6.31M · loan HK$6.31M · min. income ≈ HK$67,516/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$473,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,547
−HK$2,167/mo
▼ 0.25% · 3.875%
HK$35,622
−HK$1,092/mo
Today · 4.125%
HK$36,714
baseline
▲ 0.50% · 4.625%
HK$38,947
+HK$2,233/mo
Deposit HK$5.05M · loan HK$7.58M · min. income ≈ HK$73,428/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$473,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,433
−HK$2,077/mo
▼ 0.25% · 3.875%
HK$39,464
−HK$1,046/mo
Today · 4.125%
HK$40,510
baseline
▲ 0.50% · 4.625%
HK$42,645
+HK$2,135/mo
Deposit HK$5.05M · loan HK$7.58M · min. income ≈ HK$81,020/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$473,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,305
−HK$2,527/mo
▼ 0.25% · 3.875%
HK$41,559
−HK$1,273/mo
Today · 4.125%
HK$42,832
baseline
▲ 0.50% · 4.625%
HK$45,439
+HK$2,607/mo
Deposit HK$3.79M · loan HK$8.84M · min. income ≈ HK$85,664/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$473,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,839
−HK$2,422/mo
▼ 0.25% · 3.875%
HK$46,041
−HK$1,220/mo
Today · 4.125%
HK$47,261
baseline
▲ 0.50% · 4.625%
HK$49,753
+HK$2,492/mo
Deposit HK$3.79M · loan HK$8.84M · min. income ≈ HK$94,522/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$473,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,821
−HK$3,249/mo
▼ 0.25% · 3.875%
HK$53,433
−HK$1,637/mo
Today · 4.125%
HK$55,070
baseline
▲ 0.50% · 4.625%
HK$58,421
+HK$3,351/mo
Deposit HK$1.26M · loan HK$11.36M · min. income ≈ HK$110,140/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$473,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,650
−HK$3,115/mo
▼ 0.25% · 3.875%
HK$59,196
−HK$1,569/mo
Today · 4.125%
HK$60,765
baseline
▲ 0.50% · 4.625%
HK$63,968
+HK$3,203/mo
Deposit HK$1.26M · loan HK$11.36M · min. income ≈ HK$121,530/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$473,455 · Scale 2, in force from 26 Feb 2026)