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$28,818
−HK$1,807/mo
▼ 0.25% · 3.875%
HK$29,715
−HK$910/mo
Today · 4.125%
HK$30,625
baseline
▲ 0.50% · 4.625%
HK$32,489
+HK$1,864/mo
Deposit HK$6.32M · loan HK$6.32M · min. income ≈ HK$61,250/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$473,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,060
−HK$1,732/mo
▼ 0.25% · 3.875%
HK$32,920
−HK$872/mo
Today · 4.125%
HK$33,792
baseline
▲ 0.50% · 4.625%
HK$35,573
+HK$1,781/mo
Deposit HK$6.32M · loan HK$6.32M · min. income ≈ HK$67,584/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$473,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,582
−HK$2,169/mo
▼ 0.25% · 3.875%
HK$35,658
−HK$1,093/mo
Today · 4.125%
HK$36,751
baseline
▲ 0.50% · 4.625%
HK$38,987
+HK$2,236/mo
Deposit HK$5.06M · loan HK$7.58M · min. income ≈ HK$73,502/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$473,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,472
−HK$2,079/mo
▼ 0.25% · 3.875%
HK$39,504
−HK$1,047/mo
Today · 4.125%
HK$40,551
baseline
▲ 0.50% · 4.625%
HK$42,688
+HK$2,137/mo
Deposit HK$5.06M · loan HK$7.58M · min. income ≈ HK$81,102/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$473,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,346
−HK$2,530/mo
▼ 0.25% · 3.875%
HK$41,601
−HK$1,275/mo
Today · 4.125%
HK$42,876
baseline
▲ 0.50% · 4.625%
HK$45,485
+HK$2,609/mo
Deposit HK$3.79M · loan HK$8.85M · min. income ≈ HK$85,752/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$473,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,884
−HK$2,425/mo
▼ 0.25% · 3.875%
HK$46,088
−HK$1,221/mo
Today · 4.125%
HK$47,309
baseline
▲ 0.50% · 4.625%
HK$49,803
+HK$2,494/mo
Deposit HK$3.79M · loan HK$8.85M · min. income ≈ HK$94,618/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$473,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,873
−HK$3,253/mo
▼ 0.25% · 3.875%
HK$53,487
−HK$1,639/mo
Today · 4.125%
HK$55,126
baseline
▲ 0.50% · 4.625%
HK$58,480
+HK$3,354/mo
Deposit HK$1.26M · loan HK$11.37M · min. income ≈ HK$110,252/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$473,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,708
−HK$3,118/mo
▼ 0.25% · 3.875%
HK$59,256
−HK$1,570/mo
Today · 4.125%
HK$60,826
baseline
▲ 0.50% · 4.625%
HK$64,032
+HK$3,206/mo
Deposit HK$1.26M · loan HK$11.37M · min. income ≈ HK$121,652/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$473,933 · Scale 2, in force from 26 Feb 2026)