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$28,827
−HK$1,807/mo
▼ 0.25% · 3.875%
HK$29,723
−HK$911/mo
Today · 4.125%
HK$30,634
baseline
▲ 0.50% · 4.625%
HK$32,498
+HK$1,864/mo
Deposit HK$6.32M · loan HK$6.32M · min. income ≈ HK$61,268/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$474,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,069
−HK$1,733/mo
▼ 0.25% · 3.875%
HK$32,930
−HK$872/mo
Today · 4.125%
HK$33,802
baseline
▲ 0.50% · 4.625%
HK$35,584
+HK$1,782/mo
Deposit HK$6.32M · loan HK$6.32M · min. income ≈ HK$67,604/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$474,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,592
−HK$2,169/mo
▼ 0.25% · 3.875%
HK$35,668
−HK$1,093/mo
Today · 4.125%
HK$36,761
baseline
▲ 0.50% · 4.625%
HK$38,998
+HK$2,237/mo
Deposit HK$5.06M · loan HK$7.59M · min. income ≈ HK$73,522/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$474,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,483
−HK$2,080/mo
▼ 0.25% · 3.875%
HK$39,515
−HK$1,048/mo
Today · 4.125%
HK$40,563
baseline
▲ 0.50% · 4.625%
HK$42,701
+HK$2,138/mo
Deposit HK$5.06M · loan HK$7.59M · min. income ≈ HK$81,126/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$474,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,357
−HK$2,531/mo
▼ 0.25% · 3.875%
HK$41,613
−HK$1,275/mo
Today · 4.125%
HK$42,888
baseline
▲ 0.50% · 4.625%
HK$45,498
+HK$2,610/mo
Deposit HK$3.79M · loan HK$8.85M · min. income ≈ HK$85,776/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$474,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,897
−HK$2,426/mo
▼ 0.25% · 3.875%
HK$46,101
−HK$1,222/mo
Today · 4.125%
HK$47,323
baseline
▲ 0.50% · 4.625%
HK$49,817
+HK$2,494/mo
Deposit HK$3.79M · loan HK$8.85M · min. income ≈ HK$94,646/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$474,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,888
−HK$3,254/mo
▼ 0.25% · 3.875%
HK$53,502
−HK$1,640/mo
Today · 4.125%
HK$55,142
baseline
▲ 0.50% · 4.625%
HK$58,497
+HK$3,355/mo
Deposit HK$1.26M · loan HK$11.38M · min. income ≈ HK$110,284/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$474,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,725
−HK$3,119/mo
▼ 0.25% · 3.875%
HK$59,273
−HK$1,571/mo
Today · 4.125%
HK$60,844
baseline
▲ 0.50% · 4.625%
HK$64,051
+HK$3,207/mo
Deposit HK$1.26M · loan HK$11.38M · min. income ≈ HK$121,688/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$474,072 · Scale 2, in force from 26 Feb 2026)