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$28,760
−HK$1,804/mo
▼ 0.25% · 3.875%
HK$29,655
−HK$909/mo
Today · 4.125%
HK$30,564
baseline
▲ 0.50% · 4.625%
HK$32,423
+HK$1,859/mo
Deposit HK$6.31M · loan HK$6.31M · min. income ≈ HK$61,128/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$472,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,995
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$32,853
−HK$871/mo
Today · 4.125%
HK$33,724
baseline
▲ 0.50% · 4.625%
HK$35,502
+HK$1,778/mo
Deposit HK$6.31M · loan HK$6.31M · min. income ≈ HK$67,448/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$472,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,512
−HK$2,164/mo
▼ 0.25% · 3.875%
HK$35,586
−HK$1,090/mo
Today · 4.125%
HK$36,676
baseline
▲ 0.50% · 4.625%
HK$38,908
+HK$2,232/mo
Deposit HK$5.05M · loan HK$7.57M · min. income ≈ HK$73,352/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$472,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,394
−HK$2,075/mo
▼ 0.25% · 3.875%
HK$39,424
−HK$1,045/mo
Today · 4.125%
HK$40,469
baseline
▲ 0.50% · 4.625%
HK$42,602
+HK$2,133/mo
Deposit HK$5.05M · loan HK$7.57M · min. income ≈ HK$80,938/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$472,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,264
−HK$2,525/mo
▼ 0.25% · 3.875%
HK$41,517
−HK$1,272/mo
Today · 4.125%
HK$42,789
baseline
▲ 0.50% · 4.625%
HK$45,393
+HK$2,604/mo
Deposit HK$3.78M · loan HK$8.83M · min. income ≈ HK$85,578/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$472,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,793
−HK$2,420/mo
▼ 0.25% · 3.875%
HK$45,995
−HK$1,218/mo
Today · 4.125%
HK$47,213
baseline
▲ 0.50% · 4.625%
HK$49,702
+HK$2,489/mo
Deposit HK$3.78M · loan HK$8.83M · min. income ≈ HK$94,426/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$472,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,768
−HK$3,246/mo
▼ 0.25% · 3.875%
HK$53,378
−HK$1,636/mo
Today · 4.125%
HK$55,014
baseline
▲ 0.50% · 4.625%
HK$58,362
+HK$3,348/mo
Deposit HK$1.26M · loan HK$11.35M · min. income ≈ HK$110,028/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$472,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,592
−HK$3,111/mo
▼ 0.25% · 3.875%
HK$59,136
−HK$1,567/mo
Today · 4.125%
HK$60,703
baseline
▲ 0.50% · 4.625%
HK$63,903
+HK$3,200/mo
Deposit HK$1.26M · loan HK$11.35M · min. income ≈ HK$121,406/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$472,975 · Scale 2, in force from 26 Feb 2026)