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$28,785
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$29,680
−HK$910/mo
Today · 4.125%
HK$30,590
baseline
▲ 0.50% · 4.625%
HK$32,451
+HK$1,861/mo
Deposit HK$6.31M · loan HK$6.31M · min. income ≈ HK$61,180/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$473,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,022
−HK$1,731/mo
▼ 0.25% · 3.875%
HK$32,881
−HK$872/mo
Today · 4.125%
HK$33,753
baseline
▲ 0.50% · 4.625%
HK$35,532
+HK$1,779/mo
Deposit HK$6.31M · loan HK$6.31M · min. income ≈ HK$67,506/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$473,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,541
−HK$2,166/mo
▼ 0.25% · 3.875%
HK$35,616
−HK$1,091/mo
Today · 4.125%
HK$36,707
baseline
▲ 0.50% · 4.625%
HK$38,941
+HK$2,234/mo
Deposit HK$5.05M · loan HK$7.57M · min. income ≈ HK$73,414/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$473,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,427
−HK$2,076/mo
▼ 0.25% · 3.875%
HK$39,458
−HK$1,045/mo
Today · 4.125%
HK$40,503
baseline
▲ 0.50% · 4.625%
HK$42,638
+HK$2,135/mo
Deposit HK$5.05M · loan HK$7.57M · min. income ≈ HK$81,006/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$473,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,298
−HK$2,527/mo
▼ 0.25% · 3.875%
HK$41,552
−HK$1,273/mo
Today · 4.125%
HK$42,825
baseline
▲ 0.50% · 4.625%
HK$45,431
+HK$2,606/mo
Deposit HK$3.79M · loan HK$8.84M · min. income ≈ HK$85,650/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$473,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,831
−HK$2,423/mo
▼ 0.25% · 3.875%
HK$46,034
−HK$1,220/mo
Today · 4.125%
HK$47,254
baseline
▲ 0.50% · 4.625%
HK$49,744
+HK$2,490/mo
Deposit HK$3.79M · loan HK$8.84M · min. income ≈ HK$94,508/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$473,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,812
−HK$3,249/mo
▼ 0.25% · 3.875%
HK$53,424
−HK$1,637/mo
Today · 4.125%
HK$55,061
baseline
▲ 0.50% · 4.625%
HK$58,412
+HK$3,351/mo
Deposit HK$1.26M · loan HK$11.36M · min. income ≈ HK$110,122/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$473,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,640
−HK$3,115/mo
▼ 0.25% · 3.875%
HK$59,186
−HK$1,569/mo
Today · 4.125%
HK$60,755
baseline
▲ 0.50% · 4.625%
HK$63,957
+HK$3,202/mo
Deposit HK$1.26M · loan HK$11.36M · min. income ≈ HK$121,510/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$473,377 · Scale 2, in force from 26 Feb 2026)