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$28,902
−HK$1,813/mo
▼ 0.25% · 3.875%
HK$29,801
−HK$914/mo
Today · 4.125%
HK$30,715
baseline
▲ 0.50% · 4.625%
HK$32,584
+HK$1,869/mo
Deposit HK$6.34M · loan HK$6.34M · min. income ≈ HK$61,430/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$475,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,154
−HK$1,737/mo
▼ 0.25% · 3.875%
HK$33,016
−HK$875/mo
Today · 4.125%
HK$33,891
baseline
▲ 0.50% · 4.625%
HK$35,677
+HK$1,786/mo
Deposit HK$6.34M · loan HK$6.34M · min. income ≈ HK$67,782/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$475,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,683
−HK$2,175/mo
▼ 0.25% · 3.875%
HK$35,762
−HK$1,096/mo
Today · 4.125%
HK$36,858
baseline
▲ 0.50% · 4.625%
HK$39,100
+HK$2,242/mo
Deposit HK$5.07M · loan HK$7.61M · min. income ≈ HK$73,716/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$475,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,584
−HK$2,085/mo
▼ 0.25% · 3.875%
HK$39,619
−HK$1,050/mo
Today · 4.125%
HK$40,669
baseline
▲ 0.50% · 4.625%
HK$42,813
+HK$2,144/mo
Deposit HK$5.07M · loan HK$7.61M · min. income ≈ HK$81,338/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$475,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,463
−HK$2,538/mo
▼ 0.25% · 3.875%
HK$41,722
−HK$1,279/mo
Today · 4.125%
HK$43,001
baseline
▲ 0.50% · 4.625%
HK$45,617
+HK$2,616/mo
Deposit HK$3.80M · loan HK$8.87M · min. income ≈ HK$86,002/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,015
−HK$2,432/mo
▼ 0.25% · 3.875%
HK$46,222
−HK$1,225/mo
Today · 4.125%
HK$47,447
baseline
▲ 0.50% · 4.625%
HK$49,948
+HK$2,501/mo
Deposit HK$3.80M · loan HK$8.87M · min. income ≈ HK$94,894/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,024
−HK$3,263/mo
▼ 0.25% · 3.875%
HK$53,643
−HK$1,644/mo
Today · 4.125%
HK$55,287
baseline
▲ 0.50% · 4.625%
HK$58,651
+HK$3,364/mo
Deposit HK$1.27M · loan HK$11.41M · min. income ≈ HK$110,574/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$475,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,876
−HK$3,127/mo
▼ 0.25% · 3.875%
HK$59,429
−HK$1,574/mo
Today · 4.125%
HK$61,003
baseline
▲ 0.50% · 4.625%
HK$64,219
+HK$3,216/mo
Deposit HK$1.27M · loan HK$11.41M · min. income ≈ HK$122,006/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$475,315 · Scale 2, in force from 26 Feb 2026)