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$28,930
−HK$1,814/mo
▼ 0.25% · 3.875%
HK$29,830
−HK$914/mo
Today · 4.125%
HK$30,744
baseline
▲ 0.50% · 4.625%
HK$32,615
+HK$1,871/mo
Deposit HK$6.34M · loan HK$6.34M · min. income ≈ HK$61,488/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$475,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,184
−HK$1,739/mo
▼ 0.25% · 3.875%
HK$33,047
−HK$876/mo
Today · 4.125%
HK$33,923
baseline
▲ 0.50% · 4.625%
HK$35,711
+HK$1,788/mo
Deposit HK$6.34M · loan HK$6.34M · min. income ≈ HK$67,846/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$475,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,716
−HK$2,177/mo
▼ 0.25% · 3.875%
HK$35,796
−HK$1,097/mo
Today · 4.125%
HK$36,893
baseline
▲ 0.50% · 4.625%
HK$39,138
+HK$2,245/mo
Deposit HK$5.07M · loan HK$7.61M · min. income ≈ HK$73,786/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$475,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,621
−HK$2,087/mo
▼ 0.25% · 3.875%
HK$39,657
−HK$1,051/mo
Today · 4.125%
HK$40,708
baseline
▲ 0.50% · 4.625%
HK$42,853
+HK$2,145/mo
Deposit HK$5.07M · loan HK$7.61M · min. income ≈ HK$81,416/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$475,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,502
−HK$2,540/mo
▼ 0.25% · 3.875%
HK$41,762
−HK$1,280/mo
Today · 4.125%
HK$43,042
baseline
▲ 0.50% · 4.625%
HK$45,661
+HK$2,619/mo
Deposit HK$3.81M · loan HK$8.88M · min. income ≈ HK$86,084/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,058
−HK$2,434/mo
▼ 0.25% · 3.875%
HK$46,266
−HK$1,226/mo
Today · 4.125%
HK$47,492
baseline
▲ 0.50% · 4.625%
HK$49,995
+HK$2,503/mo
Deposit HK$3.81M · loan HK$8.88M · min. income ≈ HK$94,984/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,074
−HK$3,265/mo
▼ 0.25% · 3.875%
HK$53,693
−HK$1,646/mo
Today · 4.125%
HK$55,339
baseline
▲ 0.50% · 4.625%
HK$58,706
+HK$3,367/mo
Deposit HK$1.27M · loan HK$11.42M · min. income ≈ HK$110,678/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$475,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,931
−HK$3,130/mo
▼ 0.25% · 3.875%
HK$59,485
−HK$1,576/mo
Today · 4.125%
HK$61,061
baseline
▲ 0.50% · 4.625%
HK$64,280
+HK$3,219/mo
Deposit HK$1.27M · loan HK$11.42M · min. income ≈ HK$122,122/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$475,766 · Scale 2, in force from 26 Feb 2026)