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$28,824
−HK$1,808/mo
▼ 0.25% · 3.875%
HK$29,721
−HK$911/mo
Today · 4.125%
HK$30,632
baseline
▲ 0.50% · 4.625%
HK$32,496
+HK$1,864/mo
Deposit HK$6.32M · loan HK$6.32M · min. income ≈ HK$61,264/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$474,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,067
−HK$1,732/mo
▼ 0.25% · 3.875%
HK$32,927
−HK$872/mo
Today · 4.125%
HK$33,799
baseline
▲ 0.50% · 4.625%
HK$35,581
+HK$1,782/mo
Deposit HK$6.32M · loan HK$6.32M · min. income ≈ HK$67,598/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$474,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,589
−HK$2,169/mo
▼ 0.25% · 3.875%
HK$35,665
−HK$1,093/mo
Today · 4.125%
HK$36,758
baseline
▲ 0.50% · 4.625%
HK$38,995
+HK$2,237/mo
Deposit HK$5.06M · loan HK$7.58M · min. income ≈ HK$73,516/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$474,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,480
−HK$2,079/mo
▼ 0.25% · 3.875%
HK$39,512
−HK$1,047/mo
Today · 4.125%
HK$40,559
baseline
▲ 0.50% · 4.625%
HK$42,697
+HK$2,138/mo
Deposit HK$5.06M · loan HK$7.58M · min. income ≈ HK$81,118/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$474,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,354
−HK$2,531/mo
▼ 0.25% · 3.875%
HK$41,609
−HK$1,276/mo
Today · 4.125%
HK$42,885
baseline
▲ 0.50% · 4.625%
HK$45,494
+HK$2,609/mo
Deposit HK$3.79M · loan HK$8.85M · min. income ≈ HK$85,770/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$474,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,894
−HK$2,425/mo
▼ 0.25% · 3.875%
HK$46,098
−HK$1,221/mo
Today · 4.125%
HK$47,319
baseline
▲ 0.50% · 4.625%
HK$49,813
+HK$2,494/mo
Deposit HK$3.79M · loan HK$8.85M · min. income ≈ HK$94,638/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$474,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,884
−HK$3,253/mo
▼ 0.25% · 3.875%
HK$53,498
−HK$1,639/mo
Today · 4.125%
HK$55,137
baseline
▲ 0.50% · 4.625%
HK$58,492
+HK$3,355/mo
Deposit HK$1.26M · loan HK$11.38M · min. income ≈ HK$110,274/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$474,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,720
−HK$3,119/mo
▼ 0.25% · 3.875%
HK$59,268
−HK$1,571/mo
Today · 4.125%
HK$60,839
baseline
▲ 0.50% · 4.625%
HK$64,046
+HK$3,207/mo
Deposit HK$1.26M · loan HK$11.38M · min. income ≈ HK$121,678/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$474,032 · Scale 2, in force from 26 Feb 2026)