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$28,890
−HK$1,812/mo
▼ 0.25% · 3.875%
HK$29,789
−HK$913/mo
Today · 4.125%
HK$30,702
baseline
▲ 0.50% · 4.625%
HK$32,570
+HK$1,868/mo
Deposit HK$6.33M · loan HK$6.33M · min. income ≈ HK$61,404/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$475,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,140
−HK$1,736/mo
▼ 0.25% · 3.875%
HK$33,002
−HK$874/mo
Today · 4.125%
HK$33,876
baseline
▲ 0.50% · 4.625%
HK$35,662
+HK$1,786/mo
Deposit HK$6.33M · loan HK$6.33M · min. income ≈ HK$67,752/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$475,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,668
−HK$2,174/mo
▼ 0.25% · 3.875%
HK$35,746
−HK$1,096/mo
Today · 4.125%
HK$36,842
baseline
▲ 0.50% · 4.625%
HK$39,084
+HK$2,242/mo
Deposit HK$5.07M · loan HK$7.60M · min. income ≈ HK$73,684/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$475,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,568
−HK$2,084/mo
▼ 0.25% · 3.875%
HK$39,602
−HK$1,050/mo
Today · 4.125%
HK$40,652
baseline
▲ 0.50% · 4.625%
HK$42,794
+HK$2,142/mo
Deposit HK$5.07M · loan HK$7.60M · min. income ≈ HK$81,304/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$475,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,446
−HK$2,536/mo
▼ 0.25% · 3.875%
HK$41,704
−HK$1,278/mo
Today · 4.125%
HK$42,982
baseline
▲ 0.50% · 4.625%
HK$45,598
+HK$2,616/mo
Deposit HK$3.80M · loan HK$8.87M · min. income ≈ HK$85,964/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,996
−HK$2,431/mo
▼ 0.25% · 3.875%
HK$46,203
−HK$1,224/mo
Today · 4.125%
HK$47,427
baseline
▲ 0.50% · 4.625%
HK$49,927
+HK$2,500/mo
Deposit HK$3.80M · loan HK$8.87M · min. income ≈ HK$94,854/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,002
−HK$3,261/mo
▼ 0.25% · 3.875%
HK$53,620
−HK$1,643/mo
Today · 4.125%
HK$55,263
baseline
▲ 0.50% · 4.625%
HK$58,626
+HK$3,363/mo
Deposit HK$1.27M · loan HK$11.40M · min. income ≈ HK$110,526/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$475,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,852
−HK$3,125/mo
▼ 0.25% · 3.875%
HK$59,403
−HK$1,574/mo
Today · 4.125%
HK$60,977
baseline
▲ 0.50% · 4.625%
HK$64,192
+HK$3,215/mo
Deposit HK$1.27M · loan HK$11.40M · min. income ≈ HK$121,954/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$475,112 · Scale 2, in force from 26 Feb 2026)