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$28,812
−HK$1,806/mo
▼ 0.25% · 3.875%
HK$29,708
−HK$910/mo
Today · 4.125%
HK$30,618
baseline
▲ 0.50% · 4.625%
HK$32,482
+HK$1,864/mo
Deposit HK$6.32M · loan HK$6.32M · min. income ≈ HK$61,236/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$473,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,053
−HK$1,731/mo
▼ 0.25% · 3.875%
HK$32,912
−HK$872/mo
Today · 4.125%
HK$33,784
baseline
▲ 0.50% · 4.625%
HK$35,565
+HK$1,781/mo
Deposit HK$6.32M · loan HK$6.32M · min. income ≈ HK$67,568/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$473,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,574
−HK$2,168/mo
▼ 0.25% · 3.875%
HK$35,650
−HK$1,092/mo
Today · 4.125%
HK$36,742
baseline
▲ 0.50% · 4.625%
HK$38,978
+HK$2,236/mo
Deposit HK$5.05M · loan HK$7.58M · min. income ≈ HK$73,484/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$473,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,463
−HK$2,078/mo
▼ 0.25% · 3.875%
HK$39,495
−HK$1,046/mo
Today · 4.125%
HK$40,541
baseline
▲ 0.50% · 4.625%
HK$42,678
+HK$2,137/mo
Deposit HK$5.05M · loan HK$7.58M · min. income ≈ HK$81,082/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$473,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,336
−HK$2,530/mo
▼ 0.25% · 3.875%
HK$41,591
−HK$1,275/mo
Today · 4.125%
HK$42,866
baseline
▲ 0.50% · 4.625%
HK$45,474
+HK$2,608/mo
Deposit HK$3.79M · loan HK$8.84M · min. income ≈ HK$85,732/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$473,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,874
−HK$2,424/mo
▼ 0.25% · 3.875%
HK$46,077
−HK$1,221/mo
Today · 4.125%
HK$47,298
baseline
▲ 0.50% · 4.625%
HK$49,791
+HK$2,493/mo
Deposit HK$3.79M · loan HK$8.84M · min. income ≈ HK$94,596/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$473,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,861
−HK$3,252/mo
▼ 0.25% · 3.875%
HK$53,474
−HK$1,639/mo
Today · 4.125%
HK$55,113
baseline
▲ 0.50% · 4.625%
HK$58,467
+HK$3,354/mo
Deposit HK$1.26M · loan HK$11.37M · min. income ≈ HK$110,226/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$473,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,695
−HK$3,117/mo
▼ 0.25% · 3.875%
HK$59,242
−HK$1,570/mo
Today · 4.125%
HK$60,812
baseline
▲ 0.50% · 4.625%
HK$64,018
+HK$3,206/mo
Deposit HK$1.26M · loan HK$11.37M · min. income ≈ HK$121,624/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$473,824 · Scale 2, in force from 26 Feb 2026)