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$28,771
−HK$1,804/mo
▼ 0.25% · 3.875%
HK$29,666
−HK$909/mo
Today · 4.125%
HK$30,575
baseline
▲ 0.50% · 4.625%
HK$32,436
+HK$1,861/mo
Deposit HK$6.31M · loan HK$6.31M · min. income ≈ HK$61,150/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$473,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,008
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$32,866
−HK$871/mo
Today · 4.125%
HK$33,737
baseline
▲ 0.50% · 4.625%
HK$35,515
+HK$1,778/mo
Deposit HK$6.31M · loan HK$6.31M · min. income ≈ HK$67,474/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$473,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,525
−HK$2,165/mo
▼ 0.25% · 3.875%
HK$35,599
−HK$1,091/mo
Today · 4.125%
HK$36,690
baseline
▲ 0.50% · 4.625%
HK$38,923
+HK$2,233/mo
Deposit HK$5.05M · loan HK$7.57M · min. income ≈ HK$73,380/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$473,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,409
−HK$2,075/mo
▼ 0.25% · 3.875%
HK$39,439
−HK$1,045/mo
Today · 4.125%
HK$40,484
baseline
▲ 0.50% · 4.625%
HK$42,618
+HK$2,134/mo
Deposit HK$5.05M · loan HK$7.57M · min. income ≈ HK$80,968/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$473,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,280
−HK$2,526/mo
▼ 0.25% · 3.875%
HK$41,533
−HK$1,273/mo
Today · 4.125%
HK$42,806
baseline
▲ 0.50% · 4.625%
HK$45,410
+HK$2,604/mo
Deposit HK$3.79M · loan HK$8.83M · min. income ≈ HK$85,612/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$473,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,811
−HK$2,421/mo
▼ 0.25% · 3.875%
HK$46,012
−HK$1,220/mo
Today · 4.125%
HK$47,232
baseline
▲ 0.50% · 4.625%
HK$49,721
+HK$2,489/mo
Deposit HK$3.79M · loan HK$8.83M · min. income ≈ HK$94,464/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$473,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,788
−HK$3,248/mo
▼ 0.25% · 3.875%
HK$53,399
−HK$1,637/mo
Today · 4.125%
HK$55,036
baseline
▲ 0.50% · 4.625%
HK$58,384
+HK$3,348/mo
Deposit HK$1.26M · loan HK$11.36M · min. income ≈ HK$110,072/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$473,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,614
−HK$3,112/mo
▼ 0.25% · 3.875%
HK$59,159
−HK$1,567/mo
Today · 4.125%
HK$60,726
baseline
▲ 0.50% · 4.625%
HK$63,927
+HK$3,201/mo
Deposit HK$1.26M · loan HK$11.36M · min. income ≈ HK$121,452/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$473,157 · Scale 2, in force from 26 Feb 2026)