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$28,768
−HK$1,804/mo
▼ 0.25% · 3.875%
HK$29,663
−HK$909/mo
Today · 4.125%
HK$30,572
baseline
▲ 0.50% · 4.625%
HK$32,433
+HK$1,861/mo
Deposit HK$6.31M · loan HK$6.31M · min. income ≈ HK$61,144/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$473,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,004
−HK$1,730/mo
▼ 0.25% · 3.875%
HK$32,863
−HK$871/mo
Today · 4.125%
HK$33,734
baseline
▲ 0.50% · 4.625%
HK$35,512
+HK$1,778/mo
Deposit HK$6.31M · loan HK$6.31M · min. income ≈ HK$67,468/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$473,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,522
−HK$2,165/mo
▼ 0.25% · 3.875%
HK$35,596
−HK$1,091/mo
Today · 4.125%
HK$36,687
baseline
▲ 0.50% · 4.625%
HK$38,919
+HK$2,232/mo
Deposit HK$5.05M · loan HK$7.57M · min. income ≈ HK$73,374/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$473,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,405
−HK$2,075/mo
▼ 0.25% · 3.875%
HK$39,435
−HK$1,045/mo
Today · 4.125%
HK$40,480
baseline
▲ 0.50% · 4.625%
HK$42,614
+HK$2,134/mo
Deposit HK$5.05M · loan HK$7.57M · min. income ≈ HK$80,960/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$473,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,276
−HK$2,525/mo
▼ 0.25% · 3.875%
HK$41,528
−HK$1,273/mo
Today · 4.125%
HK$42,801
baseline
▲ 0.50% · 4.625%
HK$45,406
+HK$2,605/mo
Deposit HK$3.78M · loan HK$8.83M · min. income ≈ HK$85,602/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$473,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,806
−HK$2,421/mo
▼ 0.25% · 3.875%
HK$46,008
−HK$1,219/mo
Today · 4.125%
HK$47,227
baseline
▲ 0.50% · 4.625%
HK$49,716
+HK$2,489/mo
Deposit HK$3.78M · loan HK$8.83M · min. income ≈ HK$94,454/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$473,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,783
−HK$3,247/mo
▼ 0.25% · 3.875%
HK$53,394
−HK$1,636/mo
Today · 4.125%
HK$55,030
baseline
▲ 0.50% · 4.625%
HK$58,379
+HK$3,349/mo
Deposit HK$1.26M · loan HK$11.35M · min. income ≈ HK$110,060/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$473,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,608
−HK$3,112/mo
▼ 0.25% · 3.875%
HK$59,153
−HK$1,567/mo
Today · 4.125%
HK$60,720
baseline
▲ 0.50% · 4.625%
HK$63,921
+HK$3,201/mo
Deposit HK$1.26M · loan HK$11.35M · min. income ≈ HK$121,440/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$473,110 · Scale 2, in force from 26 Feb 2026)