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$28,829
−HK$1,808/mo
▼ 0.25% · 3.875%
HK$29,726
−HK$911/mo
Today · 4.125%
HK$30,637
baseline
▲ 0.50% · 4.625%
HK$32,501
+HK$1,864/mo
Deposit HK$6.32M · loan HK$6.32M · min. income ≈ HK$61,274/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$474,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,072
−HK$1,733/mo
▼ 0.25% · 3.875%
HK$32,932
−HK$873/mo
Today · 4.125%
HK$33,805
baseline
▲ 0.50% · 4.625%
HK$35,587
+HK$1,782/mo
Deposit HK$6.32M · loan HK$6.32M · min. income ≈ HK$67,610/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$474,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,595
−HK$2,169/mo
▼ 0.25% · 3.875%
HK$35,671
−HK$1,093/mo
Today · 4.125%
HK$36,764
baseline
▲ 0.50% · 4.625%
HK$39,001
+HK$2,237/mo
Deposit HK$5.06M · loan HK$7.59M · min. income ≈ HK$73,528/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$474,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,487
−HK$2,079/mo
▼ 0.25% · 3.875%
HK$39,519
−HK$1,047/mo
Today · 4.125%
HK$40,566
baseline
▲ 0.50% · 4.625%
HK$42,704
+HK$2,138/mo
Deposit HK$5.06M · loan HK$7.59M · min. income ≈ HK$81,132/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$474,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,361
−HK$2,531/mo
▼ 0.25% · 3.875%
HK$41,616
−HK$1,276/mo
Today · 4.125%
HK$42,892
baseline
▲ 0.50% · 4.625%
HK$45,502
+HK$2,610/mo
Deposit HK$3.79M · loan HK$8.85M · min. income ≈ HK$85,784/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$474,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,901
−HK$2,426/mo
▼ 0.25% · 3.875%
HK$46,105
−HK$1,222/mo
Today · 4.125%
HK$47,327
baseline
▲ 0.50% · 4.625%
HK$49,822
+HK$2,495/mo
Deposit HK$3.79M · loan HK$8.85M · min. income ≈ HK$94,654/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$474,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,893
−HK$3,254/mo
▼ 0.25% · 3.875%
HK$53,507
−HK$1,640/mo
Today · 4.125%
HK$55,147
baseline
▲ 0.50% · 4.625%
HK$58,502
+HK$3,355/mo
Deposit HK$1.26M · loan HK$11.38M · min. income ≈ HK$110,294/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$474,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,730
−HK$3,119/mo
▼ 0.25% · 3.875%
HK$59,278
−HK$1,571/mo
Today · 4.125%
HK$60,849
baseline
▲ 0.50% · 4.625%
HK$64,056
+HK$3,207/mo
Deposit HK$1.26M · loan HK$11.38M · min. income ≈ HK$121,698/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$474,111 · Scale 2, in force from 26 Feb 2026)