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$28,816
−HK$1,807/mo
▼ 0.25% · 3.875%
HK$29,712
−HK$911/mo
Today · 4.125%
HK$30,623
baseline
▲ 0.50% · 4.625%
HK$32,486
+HK$1,863/mo
Deposit HK$6.32M · loan HK$6.32M · min. income ≈ HK$61,246/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$473,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,057
−HK$1,732/mo
▼ 0.25% · 3.875%
HK$32,917
−HK$872/mo
Today · 4.125%
HK$33,789
baseline
▲ 0.50% · 4.625%
HK$35,570
+HK$1,781/mo
Deposit HK$6.32M · loan HK$6.32M · min. income ≈ HK$67,578/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$473,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,579
−HK$2,169/mo
▼ 0.25% · 3.875%
HK$35,655
−HK$1,093/mo
Today · 4.125%
HK$36,748
baseline
▲ 0.50% · 4.625%
HK$38,984
+HK$2,236/mo
Deposit HK$5.05M · loan HK$7.58M · min. income ≈ HK$73,496/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$473,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,469
−HK$2,078/mo
▼ 0.25% · 3.875%
HK$39,501
−HK$1,046/mo
Today · 4.125%
HK$40,547
baseline
▲ 0.50% · 4.625%
HK$42,685
+HK$2,138/mo
Deposit HK$5.05M · loan HK$7.58M · min. income ≈ HK$81,094/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$473,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,342
−HK$2,530/mo
▼ 0.25% · 3.875%
HK$41,597
−HK$1,275/mo
Today · 4.125%
HK$42,872
baseline
▲ 0.50% · 4.625%
HK$45,481
+HK$2,609/mo
Deposit HK$3.79M · loan HK$8.85M · min. income ≈ HK$85,744/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$473,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,880
−HK$2,425/mo
▼ 0.25% · 3.875%
HK$46,084
−HK$1,221/mo
Today · 4.125%
HK$47,305
baseline
▲ 0.50% · 4.625%
HK$49,799
+HK$2,494/mo
Deposit HK$3.79M · loan HK$8.85M · min. income ≈ HK$94,610/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$473,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,869
−HK$3,252/mo
▼ 0.25% · 3.875%
HK$53,482
−HK$1,639/mo
Today · 4.125%
HK$55,121
baseline
▲ 0.50% · 4.625%
HK$58,475
+HK$3,354/mo
Deposit HK$1.26M · loan HK$11.37M · min. income ≈ HK$110,242/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$473,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,703
−HK$3,118/mo
▼ 0.25% · 3.875%
HK$59,251
−HK$1,570/mo
Today · 4.125%
HK$60,821
baseline
▲ 0.50% · 4.625%
HK$64,027
+HK$3,206/mo
Deposit HK$1.26M · loan HK$11.37M · min. income ≈ HK$121,642/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$473,893 · Scale 2, in force from 26 Feb 2026)