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$28,883
−HK$1,812/mo
▼ 0.25% · 3.875%
HK$29,782
−HK$913/mo
Today · 4.125%
HK$30,695
baseline
▲ 0.50% · 4.625%
HK$32,562
+HK$1,867/mo
Deposit HK$6.33M · loan HK$6.33M · min. income ≈ HK$61,390/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$475,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,132
−HK$1,736/mo
▼ 0.25% · 3.875%
HK$32,994
−HK$874/mo
Today · 4.125%
HK$33,868
baseline
▲ 0.50% · 4.625%
HK$35,654
+HK$1,786/mo
Deposit HK$6.33M · loan HK$6.33M · min. income ≈ HK$67,736/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$475,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,660
−HK$2,174/mo
▼ 0.25% · 3.875%
HK$35,738
−HK$1,096/mo
Today · 4.125%
HK$36,834
baseline
▲ 0.50% · 4.625%
HK$39,075
+HK$2,241/mo
Deposit HK$5.07M · loan HK$7.60M · min. income ≈ HK$73,668/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$475,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,559
−HK$2,083/mo
▼ 0.25% · 3.875%
HK$39,593
−HK$1,049/mo
Today · 4.125%
HK$40,642
baseline
▲ 0.50% · 4.625%
HK$42,785
+HK$2,143/mo
Deposit HK$5.07M · loan HK$7.60M · min. income ≈ HK$81,284/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$475,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,437
−HK$2,535/mo
▼ 0.25% · 3.875%
HK$41,695
−HK$1,277/mo
Today · 4.125%
HK$42,972
baseline
▲ 0.50% · 4.625%
HK$45,587
+HK$2,615/mo
Deposit HK$3.80M · loan HK$8.87M · min. income ≈ HK$85,944/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,985
−HK$2,431/mo
▼ 0.25% · 3.875%
HK$46,192
−HK$1,224/mo
Today · 4.125%
HK$47,416
baseline
▲ 0.50% · 4.625%
HK$49,915
+HK$2,499/mo
Deposit HK$3.80M · loan HK$8.87M · min. income ≈ HK$94,832/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,990
−HK$3,260/mo
▼ 0.25% · 3.875%
HK$53,607
−HK$1,643/mo
Today · 4.125%
HK$55,250
baseline
▲ 0.50% · 4.625%
HK$58,612
+HK$3,362/mo
Deposit HK$1.27M · loan HK$11.40M · min. income ≈ HK$110,500/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$475,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,838
−HK$3,125/mo
▼ 0.25% · 3.875%
HK$59,390
−HK$1,573/mo
Today · 4.125%
HK$60,963
baseline
▲ 0.50% · 4.625%
HK$64,177
+HK$3,214/mo
Deposit HK$1.27M · loan HK$11.40M · min. income ≈ HK$121,926/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$475,003 · Scale 2, in force from 26 Feb 2026)