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$28,810
−HK$1,807/mo
▼ 0.25% · 3.875%
HK$29,706
−HK$911/mo
Today · 4.125%
HK$30,617
baseline
▲ 0.50% · 4.625%
HK$32,480
+HK$1,863/mo
Deposit HK$6.32M · loan HK$6.32M · min. income ≈ HK$61,234/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$473,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,051
−HK$1,732/mo
▼ 0.25% · 3.875%
HK$32,911
−HK$872/mo
Today · 4.125%
HK$33,783
baseline
▲ 0.50% · 4.625%
HK$35,563
+HK$1,780/mo
Deposit HK$6.32M · loan HK$6.32M · min. income ≈ HK$67,566/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$473,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,572
−HK$2,168/mo
▼ 0.25% · 3.875%
HK$35,648
−HK$1,092/mo
Today · 4.125%
HK$36,740
baseline
▲ 0.50% · 4.625%
HK$38,976
+HK$2,236/mo
Deposit HK$5.05M · loan HK$7.58M · min. income ≈ HK$73,480/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$473,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,461
−HK$2,078/mo
▼ 0.25% · 3.875%
HK$39,493
−HK$1,046/mo
Today · 4.125%
HK$40,539
baseline
▲ 0.50% · 4.625%
HK$42,676
+HK$2,137/mo
Deposit HK$5.05M · loan HK$7.58M · min. income ≈ HK$81,078/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$473,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,334
−HK$2,530/mo
▼ 0.25% · 3.875%
HK$41,589
−HK$1,275/mo
Today · 4.125%
HK$42,864
baseline
▲ 0.50% · 4.625%
HK$45,472
+HK$2,608/mo
Deposit HK$3.79M · loan HK$8.84M · min. income ≈ HK$85,728/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$473,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,871
−HK$2,425/mo
▼ 0.25% · 3.875%
HK$46,075
−HK$1,221/mo
Today · 4.125%
HK$47,296
baseline
▲ 0.50% · 4.625%
HK$49,789
+HK$2,493/mo
Deposit HK$3.79M · loan HK$8.84M · min. income ≈ HK$94,592/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$473,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,858
−HK$3,252/mo
▼ 0.25% · 3.875%
HK$53,471
−HK$1,639/mo
Today · 4.125%
HK$55,110
baseline
▲ 0.50% · 4.625%
HK$58,464
+HK$3,354/mo
Deposit HK$1.26M · loan HK$11.37M · min. income ≈ HK$110,220/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$473,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,692
−HK$3,117/mo
▼ 0.25% · 3.875%
HK$59,239
−HK$1,570/mo
Today · 4.125%
HK$60,809
baseline
▲ 0.50% · 4.625%
HK$64,014
+HK$3,205/mo
Deposit HK$1.26M · loan HK$11.37M · min. income ≈ HK$121,618/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$473,799 · Scale 2, in force from 26 Feb 2026)