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$28,867
−HK$1,811/mo
▼ 0.25% · 3.875%
HK$29,765
−HK$913/mo
Today · 4.125%
HK$30,678
baseline
▲ 0.50% · 4.625%
HK$32,544
+HK$1,866/mo
Deposit HK$6.33M · loan HK$6.33M · min. income ≈ HK$61,356/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$474,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,115
−HK$1,735/mo
▼ 0.25% · 3.875%
HK$32,976
−HK$874/mo
Today · 4.125%
HK$33,850
baseline
▲ 0.50% · 4.625%
HK$35,634
+HK$1,784/mo
Deposit HK$6.33M · loan HK$6.33M · min. income ≈ HK$67,700/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$474,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,641
−HK$2,172/mo
▼ 0.25% · 3.875%
HK$35,718
−HK$1,095/mo
Today · 4.125%
HK$36,813
baseline
▲ 0.50% · 4.625%
HK$39,053
+HK$2,240/mo
Deposit HK$5.06M · loan HK$7.60M · min. income ≈ HK$73,626/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$474,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,538
−HK$2,082/mo
▼ 0.25% · 3.875%
HK$39,571
−HK$1,049/mo
Today · 4.125%
HK$40,620
baseline
▲ 0.50% · 4.625%
HK$42,761
+HK$2,141/mo
Deposit HK$5.06M · loan HK$7.60M · min. income ≈ HK$81,240/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$474,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,414
−HK$2,535/mo
▼ 0.25% · 3.875%
HK$41,672
−HK$1,277/mo
Today · 4.125%
HK$42,949
baseline
▲ 0.50% · 4.625%
HK$45,562
+HK$2,613/mo
Deposit HK$3.80M · loan HK$8.86M · min. income ≈ HK$85,898/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$474,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,961
−HK$2,429/mo
▼ 0.25% · 3.875%
HK$46,166
−HK$1,224/mo
Today · 4.125%
HK$47,390
baseline
▲ 0.50% · 4.625%
HK$49,888
+HK$2,498/mo
Deposit HK$3.80M · loan HK$8.86M · min. income ≈ HK$94,780/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$474,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,961
−HK$3,259/mo
▼ 0.25% · 3.875%
HK$53,578
−HK$1,642/mo
Today · 4.125%
HK$55,220
baseline
▲ 0.50% · 4.625%
HK$58,580
+HK$3,360/mo
Deposit HK$1.27M · loan HK$11.39M · min. income ≈ HK$110,440/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$474,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,807
−HK$3,123/mo
▼ 0.25% · 3.875%
HK$59,357
−HK$1,573/mo
Today · 4.125%
HK$60,930
baseline
▲ 0.50% · 4.625%
HK$64,141
+HK$3,211/mo
Deposit HK$1.27M · loan HK$11.39M · min. income ≈ HK$121,860/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$474,741 · Scale 2, in force from 26 Feb 2026)