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$475,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,185
−HK$1,738/mo
▼ 0.25% · 3.875%
HK$33,048
−HK$875/mo
Today · 4.125%
HK$33,923
baseline
▲ 0.50% · 4.625%
HK$35,712
+HK$1,789/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$475,774 · 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$475,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,622
−HK$2,086/mo
▼ 0.25% · 3.875%
HK$39,657
−HK$1,051/mo
Today · 4.125%
HK$40,708
baseline
▲ 0.50% · 4.625%
HK$42,854
+HK$2,146/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$475,774 · 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$475,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,058
−HK$2,435/mo
▼ 0.25% · 3.875%
HK$46,267
−HK$1,226/mo
Today · 4.125%
HK$47,493
baseline
▲ 0.50% · 4.625%
HK$49,996
+HK$2,503/mo
Deposit HK$3.81M · loan HK$8.88M · min. income ≈ HK$94,986/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,074
−HK$3,266/mo
▼ 0.25% · 3.875%
HK$53,694
−HK$1,646/mo
Today · 4.125%
HK$55,340
baseline
▲ 0.50% · 4.625%
HK$58,707
+HK$3,367/mo
Deposit HK$1.27M · loan HK$11.42M · min. income ≈ HK$110,680/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$475,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,932
−HK$3,130/mo
▼ 0.25% · 3.875%
HK$59,486
−HK$1,576/mo
Today · 4.125%
HK$61,062
baseline
▲ 0.50% · 4.625%
HK$64,281
+HK$3,219/mo
Deposit HK$1.27M · loan HK$11.42M · min. income ≈ HK$122,124/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$475,774 · Scale 2, in force from 26 Feb 2026)