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$28,776
−HK$1,804/mo
▼ 0.25% · 3.875%
HK$29,671
−HK$909/mo
Today · 4.125%
HK$30,580
baseline
▲ 0.50% · 4.625%
HK$32,441
+HK$1,861/mo
Deposit HK$6.31M · loan HK$6.31M · min. income ≈ HK$61,160/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$473,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,013
−HK$1,730/mo
▼ 0.25% · 3.875%
HK$32,872
−HK$871/mo
Today · 4.125%
HK$33,743
baseline
▲ 0.50% · 4.625%
HK$35,521
+HK$1,778/mo
Deposit HK$6.31M · loan HK$6.31M · min. income ≈ HK$67,486/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$473,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,531
−HK$2,166/mo
▼ 0.25% · 3.875%
HK$35,605
−HK$1,092/mo
Today · 4.125%
HK$36,697
baseline
▲ 0.50% · 4.625%
HK$38,929
+HK$2,232/mo
Deposit HK$5.05M · loan HK$7.57M · min. income ≈ HK$73,394/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$473,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,416
−HK$2,075/mo
▼ 0.25% · 3.875%
HK$39,446
−HK$1,045/mo
Today · 4.125%
HK$40,491
baseline
▲ 0.50% · 4.625%
HK$42,625
+HK$2,134/mo
Deposit HK$5.05M · loan HK$7.57M · min. income ≈ HK$80,982/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$473,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,286
−HK$2,527/mo
▼ 0.25% · 3.875%
HK$41,540
−HK$1,273/mo
Today · 4.125%
HK$42,813
baseline
▲ 0.50% · 4.625%
HK$45,418
+HK$2,605/mo
Deposit HK$3.79M · loan HK$8.83M · min. income ≈ HK$85,626/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$473,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,818
−HK$2,422/mo
▼ 0.25% · 3.875%
HK$46,020
−HK$1,220/mo
Today · 4.125%
HK$47,240
baseline
▲ 0.50% · 4.625%
HK$49,730
+HK$2,490/mo
Deposit HK$3.79M · loan HK$8.83M · min. income ≈ HK$94,480/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$473,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,797
−HK$3,248/mo
▼ 0.25% · 3.875%
HK$53,408
−HK$1,637/mo
Today · 4.125%
HK$55,045
baseline
▲ 0.50% · 4.625%
HK$58,394
+HK$3,349/mo
Deposit HK$1.26M · loan HK$11.36M · min. income ≈ HK$110,090/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$473,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,623
−HK$3,114/mo
▼ 0.25% · 3.875%
HK$59,169
−HK$1,568/mo
Today · 4.125%
HK$60,737
baseline
▲ 0.50% · 4.625%
HK$63,938
+HK$3,201/mo
Deposit HK$1.26M · loan HK$11.36M · min. income ≈ HK$121,474/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$473,236 · Scale 2, in force from 26 Feb 2026)