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$28,774
−HK$1,804/mo
▼ 0.25% · 3.875%
HK$29,669
−HK$909/mo
Today · 4.125%
HK$30,578
baseline
▲ 0.50% · 4.625%
HK$32,439
+HK$1,861/mo
Deposit HK$6.31M · loan HK$6.31M · min. income ≈ HK$61,156/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$473,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,011
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$32,869
−HK$871/mo
Today · 4.125%
HK$33,740
baseline
▲ 0.50% · 4.625%
HK$35,519
+HK$1,779/mo
Deposit HK$6.31M · loan HK$6.31M · min. income ≈ HK$67,480/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$473,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,529
−HK$2,165/mo
▼ 0.25% · 3.875%
HK$35,603
−HK$1,091/mo
Today · 4.125%
HK$36,694
baseline
▲ 0.50% · 4.625%
HK$38,927
+HK$2,233/mo
Deposit HK$5.05M · loan HK$7.57M · min. income ≈ HK$73,388/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$473,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,413
−HK$2,075/mo
▼ 0.25% · 3.875%
HK$39,443
−HK$1,045/mo
Today · 4.125%
HK$40,488
baseline
▲ 0.50% · 4.625%
HK$42,622
+HK$2,134/mo
Deposit HK$5.05M · loan HK$7.57M · min. income ≈ HK$80,976/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$473,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,284
−HK$2,526/mo
▼ 0.25% · 3.875%
HK$41,537
−HK$1,273/mo
Today · 4.125%
HK$42,810
baseline
▲ 0.50% · 4.625%
HK$45,415
+HK$2,605/mo
Deposit HK$3.79M · loan HK$8.83M · min. income ≈ HK$85,620/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$473,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,815
−HK$2,421/mo
▼ 0.25% · 3.875%
HK$46,017
−HK$1,219/mo
Today · 4.125%
HK$47,236
baseline
▲ 0.50% · 4.625%
HK$49,726
+HK$2,490/mo
Deposit HK$3.79M · loan HK$8.83M · min. income ≈ HK$94,472/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$473,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,793
−HK$3,248/mo
▼ 0.25% · 3.875%
HK$53,404
−HK$1,637/mo
Today · 4.125%
HK$55,041
baseline
▲ 0.50% · 4.625%
HK$58,390
+HK$3,349/mo
Deposit HK$1.26M · loan HK$11.36M · min. income ≈ HK$110,082/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$473,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,619
−HK$3,113/mo
▼ 0.25% · 3.875%
HK$59,165
−HK$1,567/mo
Today · 4.125%
HK$60,732
baseline
▲ 0.50% · 4.625%
HK$63,934
+HK$3,202/mo
Deposit HK$1.26M · loan HK$11.36M · min. income ≈ HK$121,464/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$473,204 · Scale 2, in force from 26 Feb 2026)