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$28,897
−HK$1,812/mo
▼ 0.25% · 3.875%
HK$29,796
−HK$913/mo
Today · 4.125%
HK$30,709
baseline
▲ 0.50% · 4.625%
HK$32,577
+HK$1,868/mo
Deposit HK$6.34M · loan HK$6.34M · min. income ≈ HK$61,418/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$475,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,147
−HK$1,737/mo
▼ 0.25% · 3.875%
HK$33,009
−HK$875/mo
Today · 4.125%
HK$33,884
baseline
▲ 0.50% · 4.625%
HK$35,670
+HK$1,786/mo
Deposit HK$6.34M · loan HK$6.34M · min. income ≈ HK$67,768/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$475,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,676
−HK$2,174/mo
▼ 0.25% · 3.875%
HK$35,755
−HK$1,095/mo
Today · 4.125%
HK$36,850
baseline
▲ 0.50% · 4.625%
HK$39,093
+HK$2,243/mo
Deposit HK$5.07M · loan HK$7.60M · min. income ≈ HK$73,700/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$475,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,577
−HK$2,084/mo
▼ 0.25% · 3.875%
HK$39,611
−HK$1,050/mo
Today · 4.125%
HK$40,661
baseline
▲ 0.50% · 4.625%
HK$42,804
+HK$2,143/mo
Deposit HK$5.07M · loan HK$7.60M · min. income ≈ HK$81,322/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$475,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,455
−HK$2,537/mo
▼ 0.25% · 3.875%
HK$41,714
−HK$1,278/mo
Today · 4.125%
HK$42,992
baseline
▲ 0.50% · 4.625%
HK$45,608
+HK$2,616/mo
Deposit HK$3.80M · loan HK$8.87M · min. income ≈ HK$85,984/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,006
−HK$2,432/mo
▼ 0.25% · 3.875%
HK$46,213
−HK$1,225/mo
Today · 4.125%
HK$47,438
baseline
▲ 0.50% · 4.625%
HK$49,938
+HK$2,500/mo
Deposit HK$3.80M · loan HK$8.87M · min. income ≈ HK$94,876/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,014
−HK$3,262/mo
▼ 0.25% · 3.875%
HK$53,632
−HK$1,644/mo
Today · 4.125%
HK$55,276
baseline
▲ 0.50% · 4.625%
HK$58,639
+HK$3,363/mo
Deposit HK$1.27M · loan HK$11.41M · min. income ≈ HK$110,552/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$475,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,865
−HK$3,126/mo
▼ 0.25% · 3.875%
HK$59,417
−HK$1,574/mo
Today · 4.125%
HK$60,991
baseline
▲ 0.50% · 4.625%
HK$64,206
+HK$3,215/mo
Deposit HK$1.27M · loan HK$11.41M · min. income ≈ HK$121,982/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$475,221 · Scale 2, in force from 26 Feb 2026)