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$28,845
−HK$1,809/mo
▼ 0.25% · 3.875%
HK$29,742
−HK$912/mo
Today · 4.125%
HK$30,654
baseline
▲ 0.50% · 4.625%
HK$32,519
+HK$1,865/mo
Deposit HK$6.32M · loan HK$6.32M · min. income ≈ HK$61,308/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$474,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,090
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$32,951
−HK$873/mo
Today · 4.125%
HK$33,824
baseline
▲ 0.50% · 4.625%
HK$35,607
+HK$1,783/mo
Deposit HK$6.32M · loan HK$6.32M · min. income ≈ HK$67,648/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$474,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,614
−HK$2,171/mo
▼ 0.25% · 3.875%
HK$35,691
−HK$1,094/mo
Today · 4.125%
HK$36,785
baseline
▲ 0.50% · 4.625%
HK$39,023
+HK$2,238/mo
Deposit HK$5.06M · loan HK$7.59M · min. income ≈ HK$73,570/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$474,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,508
−HK$2,080/mo
▼ 0.25% · 3.875%
HK$39,541
−HK$1,047/mo
Today · 4.125%
HK$40,588
baseline
▲ 0.50% · 4.625%
HK$42,728
+HK$2,140/mo
Deposit HK$5.06M · loan HK$7.59M · min. income ≈ HK$81,176/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$474,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,383
−HK$2,533/mo
▼ 0.25% · 3.875%
HK$41,639
−HK$1,277/mo
Today · 4.125%
HK$42,916
baseline
▲ 0.50% · 4.625%
HK$45,527
+HK$2,611/mo
Deposit HK$3.79M · loan HK$8.85M · min. income ≈ HK$85,832/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$474,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,926
−HK$2,427/mo
▼ 0.25% · 3.875%
HK$46,131
−HK$1,222/mo
Today · 4.125%
HK$47,353
baseline
▲ 0.50% · 4.625%
HK$49,849
+HK$2,496/mo
Deposit HK$3.79M · loan HK$8.85M · min. income ≈ HK$94,706/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$474,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,921
−HK$3,256/mo
▼ 0.25% · 3.875%
HK$53,536
−HK$1,641/mo
Today · 4.125%
HK$55,177
baseline
▲ 0.50% · 4.625%
HK$58,535
+HK$3,358/mo
Deposit HK$1.26M · loan HK$11.38M · min. income ≈ HK$110,354/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$474,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,762
−HK$3,121/mo
▼ 0.25% · 3.875%
HK$59,311
−HK$1,572/mo
Today · 4.125%
HK$60,883
baseline
▲ 0.50% · 4.625%
HK$64,092
+HK$3,209/mo
Deposit HK$1.26M · loan HK$11.38M · min. income ≈ HK$121,766/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$474,375 · Scale 2, in force from 26 Feb 2026)