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$28,918
−HK$1,813/mo
▼ 0.25% · 3.875%
HK$29,817
−HK$914/mo
Today · 4.125%
HK$30,731
baseline
▲ 0.50% · 4.625%
HK$32,601
+HK$1,870/mo
Deposit HK$6.34M · loan HK$6.34M · min. income ≈ HK$61,462/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$475,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,171
−HK$1,738/mo
▼ 0.25% · 3.875%
HK$33,034
−HK$875/mo
Today · 4.125%
HK$33,909
baseline
▲ 0.50% · 4.625%
HK$35,696
+HK$1,787/mo
Deposit HK$6.34M · loan HK$6.34M · min. income ≈ HK$67,818/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$475,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,701
−HK$2,177/mo
▼ 0.25% · 3.875%
HK$35,781
−HK$1,097/mo
Today · 4.125%
HK$36,878
baseline
▲ 0.50% · 4.625%
HK$39,121
+HK$2,243/mo
Deposit HK$5.07M · loan HK$7.61M · min. income ≈ HK$73,756/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$475,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,605
−HK$2,086/mo
▼ 0.25% · 3.875%
HK$39,640
−HK$1,051/mo
Today · 4.125%
HK$40,691
baseline
▲ 0.50% · 4.625%
HK$42,836
+HK$2,145/mo
Deposit HK$5.07M · loan HK$7.61M · min. income ≈ HK$81,382/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$475,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,485
−HK$2,539/mo
▼ 0.25% · 3.875%
HK$41,744
−HK$1,280/mo
Today · 4.125%
HK$43,024
baseline
▲ 0.50% · 4.625%
HK$45,642
+HK$2,618/mo
Deposit HK$3.80M · loan HK$8.88M · min. income ≈ HK$86,048/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,039
−HK$2,433/mo
▼ 0.25% · 3.875%
HK$46,247
−HK$1,225/mo
Today · 4.125%
HK$47,472
baseline
▲ 0.50% · 4.625%
HK$49,975
+HK$2,503/mo
Deposit HK$3.80M · loan HK$8.88M · min. income ≈ HK$94,944/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,052
−HK$3,264/mo
▼ 0.25% · 3.875%
HK$53,671
−HK$1,645/mo
Today · 4.125%
HK$55,316
baseline
▲ 0.50% · 4.625%
HK$58,682
+HK$3,366/mo
Deposit HK$1.27M · loan HK$11.41M · min. income ≈ HK$110,632/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$475,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,907
−HK$3,129/mo
▼ 0.25% · 3.875%
HK$59,461
−HK$1,575/mo
Today · 4.125%
HK$61,036
baseline
▲ 0.50% · 4.625%
HK$64,253
+HK$3,217/mo
Deposit HK$1.27M · loan HK$11.41M · min. income ≈ HK$122,072/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$475,570 · Scale 2, in force from 26 Feb 2026)