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$28,809
−HK$1,806/mo
▼ 0.25% · 3.875%
HK$29,705
−HK$910/mo
Today · 4.125%
HK$30,615
baseline
▲ 0.50% · 4.625%
HK$32,478
+HK$1,863/mo
Deposit HK$6.32M · loan HK$6.32M · min. income ≈ HK$61,230/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$473,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,049
−HK$1,732/mo
▼ 0.25% · 3.875%
HK$32,909
−HK$872/mo
Today · 4.125%
HK$33,781
baseline
▲ 0.50% · 4.625%
HK$35,562
+HK$1,781/mo
Deposit HK$6.32M · loan HK$6.32M · min. income ≈ HK$67,562/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$473,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,570
−HK$2,168/mo
▼ 0.25% · 3.875%
HK$35,646
−HK$1,092/mo
Today · 4.125%
HK$36,738
baseline
▲ 0.50% · 4.625%
HK$38,974
+HK$2,236/mo
Deposit HK$5.05M · loan HK$7.58M · min. income ≈ HK$73,476/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$473,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,459
−HK$2,078/mo
▼ 0.25% · 3.875%
HK$39,491
−HK$1,046/mo
Today · 4.125%
HK$40,537
baseline
▲ 0.50% · 4.625%
HK$42,674
+HK$2,137/mo
Deposit HK$5.05M · loan HK$7.58M · min. income ≈ HK$81,074/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$473,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,332
−HK$2,529/mo
▼ 0.25% · 3.875%
HK$41,587
−HK$1,274/mo
Today · 4.125%
HK$42,861
baseline
▲ 0.50% · 4.625%
HK$45,469
+HK$2,608/mo
Deposit HK$3.79M · loan HK$8.84M · min. income ≈ HK$85,722/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$473,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,869
−HK$2,424/mo
▼ 0.25% · 3.875%
HK$46,072
−HK$1,221/mo
Today · 4.125%
HK$47,293
baseline
▲ 0.50% · 4.625%
HK$49,786
+HK$2,493/mo
Deposit HK$3.79M · loan HK$8.84M · min. income ≈ HK$94,586/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$473,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,856
−HK$3,251/mo
▼ 0.25% · 3.875%
HK$53,469
−HK$1,638/mo
Today · 4.125%
HK$55,107
baseline
▲ 0.50% · 4.625%
HK$58,461
+HK$3,354/mo
Deposit HK$1.26M · loan HK$11.37M · min. income ≈ HK$110,214/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$473,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,689
−HK$3,117/mo
▼ 0.25% · 3.875%
HK$59,236
−HK$1,570/mo
Today · 4.125%
HK$60,806
baseline
▲ 0.50% · 4.625%
HK$64,011
+HK$3,205/mo
Deposit HK$1.26M · loan HK$11.37M · min. income ≈ HK$121,612/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$473,774 · Scale 2, in force from 26 Feb 2026)