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$28,866
−HK$1,810/mo
▼ 0.25% · 3.875%
HK$29,764
−HK$912/mo
Today · 4.125%
HK$30,676
baseline
▲ 0.50% · 4.625%
HK$32,543
+HK$1,867/mo
Deposit HK$6.33M · loan HK$6.33M · min. income ≈ HK$61,352/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$474,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,113
−HK$1,735/mo
▼ 0.25% · 3.875%
HK$32,974
−HK$874/mo
Today · 4.125%
HK$33,848
baseline
▲ 0.50% · 4.625%
HK$35,632
+HK$1,784/mo
Deposit HK$6.33M · loan HK$6.33M · min. income ≈ HK$67,696/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$474,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,639
−HK$2,172/mo
▼ 0.25% · 3.875%
HK$35,716
−HK$1,095/mo
Today · 4.125%
HK$36,811
baseline
▲ 0.50% · 4.625%
HK$39,051
+HK$2,240/mo
Deposit HK$5.06M · loan HK$7.60M · min. income ≈ HK$73,622/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$474,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,536
−HK$2,082/mo
▼ 0.25% · 3.875%
HK$39,569
−HK$1,049/mo
Today · 4.125%
HK$40,618
baseline
▲ 0.50% · 4.625%
HK$42,759
+HK$2,141/mo
Deposit HK$5.06M · loan HK$7.60M · min. income ≈ HK$81,236/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$474,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,412
−HK$2,534/mo
▼ 0.25% · 3.875%
HK$41,669
−HK$1,277/mo
Today · 4.125%
HK$42,946
baseline
▲ 0.50% · 4.625%
HK$45,560
+HK$2,614/mo
Deposit HK$3.80M · loan HK$8.86M · min. income ≈ HK$85,892/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$474,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,958
−HK$2,429/mo
▼ 0.25% · 3.875%
HK$46,164
−HK$1,223/mo
Today · 4.125%
HK$47,387
baseline
▲ 0.50% · 4.625%
HK$49,885
+HK$2,498/mo
Deposit HK$3.80M · loan HK$8.86M · min. income ≈ HK$94,774/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$474,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,959
−HK$3,258/mo
▼ 0.25% · 3.875%
HK$53,575
−HK$1,642/mo
Today · 4.125%
HK$55,217
baseline
▲ 0.50% · 4.625%
HK$58,577
+HK$3,360/mo
Deposit HK$1.27M · loan HK$11.39M · min. income ≈ HK$110,434/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$474,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,803
−HK$3,123/mo
▼ 0.25% · 3.875%
HK$59,354
−HK$1,572/mo
Today · 4.125%
HK$60,926
baseline
▲ 0.50% · 4.625%
HK$64,138
+HK$3,212/mo
Deposit HK$1.27M · loan HK$11.39M · min. income ≈ HK$121,852/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$474,714 · Scale 2, in force from 26 Feb 2026)