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$28,762
−HK$1,804/mo
▼ 0.25% · 3.875%
HK$29,657
−HK$909/mo
Today · 4.125%
HK$30,566
baseline
▲ 0.50% · 4.625%
HK$32,426
+HK$1,860/mo
Deposit HK$6.31M · loan HK$6.31M · min. income ≈ HK$61,132/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$473,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,998
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$32,856
−HK$870/mo
Today · 4.125%
HK$33,726
baseline
▲ 0.50% · 4.625%
HK$35,504
+HK$1,778/mo
Deposit HK$6.31M · loan HK$6.31M · min. income ≈ HK$67,452/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$473,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,515
−HK$2,164/mo
▼ 0.25% · 3.875%
HK$35,588
−HK$1,091/mo
Today · 4.125%
HK$36,679
baseline
▲ 0.50% · 4.625%
HK$38,911
+HK$2,232/mo
Deposit HK$5.05M · loan HK$7.57M · min. income ≈ HK$73,358/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$473,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,397
−HK$2,075/mo
▼ 0.25% · 3.875%
HK$39,427
−HK$1,045/mo
Today · 4.125%
HK$40,472
baseline
▲ 0.50% · 4.625%
HK$42,605
+HK$2,133/mo
Deposit HK$5.05M · loan HK$7.57M · min. income ≈ HK$80,944/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$473,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,267
−HK$2,525/mo
▼ 0.25% · 3.875%
HK$41,520
−HK$1,272/mo
Today · 4.125%
HK$42,792
baseline
▲ 0.50% · 4.625%
HK$45,396
+HK$2,604/mo
Deposit HK$3.78M · loan HK$8.83M · min. income ≈ HK$85,584/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$473,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,797
−HK$2,420/mo
▼ 0.25% · 3.875%
HK$45,998
−HK$1,219/mo
Today · 4.125%
HK$47,217
baseline
▲ 0.50% · 4.625%
HK$49,706
+HK$2,489/mo
Deposit HK$3.78M · loan HK$8.83M · min. income ≈ HK$94,434/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$473,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,772
−HK$3,247/mo
▼ 0.25% · 3.875%
HK$53,382
−HK$1,637/mo
Today · 4.125%
HK$55,019
baseline
▲ 0.50% · 4.625%
HK$58,366
+HK$3,347/mo
Deposit HK$1.26M · loan HK$11.35M · min. income ≈ HK$110,038/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$473,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,596
−HK$3,112/mo
▼ 0.25% · 3.875%
HK$59,141
−HK$1,567/mo
Today · 4.125%
HK$60,708
baseline
▲ 0.50% · 4.625%
HK$63,908
+HK$3,200/mo
Deposit HK$1.26M · loan HK$11.35M · min. income ≈ HK$121,416/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$473,010 · Scale 2, in force from 26 Feb 2026)