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$28,785
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$29,680
−HK$910/mo
Today · 4.125%
HK$30,590
baseline
▲ 0.50% · 4.625%
HK$32,451
+HK$1,861/mo
Deposit HK$6.31M · loan HK$6.31M · min. income ≈ HK$61,180/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$473,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,023
−HK$1,730/mo
▼ 0.25% · 3.875%
HK$32,882
−HK$871/mo
Today · 4.125%
HK$33,753
baseline
▲ 0.50% · 4.625%
HK$35,532
+HK$1,779/mo
Deposit HK$6.31M · loan HK$6.31M · min. income ≈ HK$67,506/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$473,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,542
−HK$2,166/mo
▼ 0.25% · 3.875%
HK$35,616
−HK$1,092/mo
Today · 4.125%
HK$36,708
baseline
▲ 0.50% · 4.625%
HK$38,942
+HK$2,234/mo
Deposit HK$5.05M · loan HK$7.57M · min. income ≈ HK$73,416/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$473,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,428
−HK$2,076/mo
▼ 0.25% · 3.875%
HK$39,458
−HK$1,046/mo
Today · 4.125%
HK$40,504
baseline
▲ 0.50% · 4.625%
HK$42,639
+HK$2,135/mo
Deposit HK$5.05M · loan HK$7.57M · min. income ≈ HK$81,008/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$473,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,299
−HK$2,527/mo
▼ 0.25% · 3.875%
HK$41,553
−HK$1,273/mo
Today · 4.125%
HK$42,826
baseline
▲ 0.50% · 4.625%
HK$45,432
+HK$2,606/mo
Deposit HK$3.79M · loan HK$8.84M · min. income ≈ HK$85,652/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$473,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,832
−HK$2,422/mo
▼ 0.25% · 3.875%
HK$46,035
−HK$1,219/mo
Today · 4.125%
HK$47,254
baseline
▲ 0.50% · 4.625%
HK$49,745
+HK$2,491/mo
Deposit HK$3.79M · loan HK$8.84M · min. income ≈ HK$94,508/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$473,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,813
−HK$3,249/mo
▼ 0.25% · 3.875%
HK$53,425
−HK$1,637/mo
Today · 4.125%
HK$55,062
baseline
▲ 0.50% · 4.625%
HK$58,413
+HK$3,351/mo
Deposit HK$1.26M · loan HK$11.36M · min. income ≈ HK$110,124/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$473,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,641
−HK$3,115/mo
▼ 0.25% · 3.875%
HK$59,187
−HK$1,569/mo
Today · 4.125%
HK$60,756
baseline
▲ 0.50% · 4.625%
HK$63,958
+HK$3,202/mo
Deposit HK$1.26M · loan HK$11.36M · min. income ≈ HK$121,512/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$473,385 · Scale 2, in force from 26 Feb 2026)