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$28,850
−HK$1,810/mo
▼ 0.25% · 3.875%
HK$29,748
−HK$912/mo
Today · 4.125%
HK$30,660
baseline
▲ 0.50% · 4.625%
HK$32,525
+HK$1,865/mo
Deposit HK$6.33M · loan HK$6.33M · min. income ≈ HK$61,320/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$474,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,096
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$32,957
−HK$873/mo
Today · 4.125%
HK$33,830
baseline
▲ 0.50% · 4.625%
HK$35,613
+HK$1,783/mo
Deposit HK$6.33M · loan HK$6.33M · min. income ≈ HK$67,660/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$474,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,621
−HK$2,171/mo
▼ 0.25% · 3.875%
HK$35,697
−HK$1,095/mo
Today · 4.125%
HK$36,792
baseline
▲ 0.50% · 4.625%
HK$39,030
+HK$2,238/mo
Deposit HK$5.06M · loan HK$7.59M · min. income ≈ HK$73,584/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$474,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,515
−HK$2,081/mo
▼ 0.25% · 3.875%
HK$39,548
−HK$1,048/mo
Today · 4.125%
HK$40,596
baseline
▲ 0.50% · 4.625%
HK$42,736
+HK$2,140/mo
Deposit HK$5.06M · loan HK$7.59M · min. income ≈ HK$81,192/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$474,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,391
−HK$2,532/mo
▼ 0.25% · 3.875%
HK$41,647
−HK$1,276/mo
Today · 4.125%
HK$42,923
baseline
▲ 0.50% · 4.625%
HK$45,535
+HK$2,612/mo
Deposit HK$3.80M · loan HK$8.86M · min. income ≈ HK$85,846/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$474,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,934
−HK$2,428/mo
▼ 0.25% · 3.875%
HK$46,139
−HK$1,223/mo
Today · 4.125%
HK$47,362
baseline
▲ 0.50% · 4.625%
HK$49,858
+HK$2,496/mo
Deposit HK$3.80M · loan HK$8.86M · min. income ≈ HK$94,724/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$474,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,931
−HK$3,256/mo
▼ 0.25% · 3.875%
HK$53,546
−HK$1,641/mo
Today · 4.125%
HK$55,187
baseline
▲ 0.50% · 4.625%
HK$58,545
+HK$3,358/mo
Deposit HK$1.27M · loan HK$11.39M · min. income ≈ HK$110,374/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$474,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,772
−HK$3,122/mo
▼ 0.25% · 3.875%
HK$59,322
−HK$1,572/mo
Today · 4.125%
HK$60,894
baseline
▲ 0.50% · 4.625%
HK$64,104
+HK$3,210/mo
Deposit HK$1.27M · loan HK$11.39M · min. income ≈ HK$121,788/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$474,461 · Scale 2, in force from 26 Feb 2026)