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$28,849
−HK$1,810/mo
▼ 0.25% · 3.875%
HK$29,747
−HK$912/mo
Today · 4.125%
HK$30,659
baseline
▲ 0.50% · 4.625%
HK$32,524
+HK$1,865/mo
Deposit HK$6.33M · loan HK$6.33M · min. income ≈ HK$61,318/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$474,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,095
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$32,956
−HK$873/mo
Today · 4.125%
HK$33,829
baseline
▲ 0.50% · 4.625%
HK$35,612
+HK$1,783/mo
Deposit HK$6.33M · loan HK$6.33M · min. income ≈ HK$67,658/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$474,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,619
−HK$2,171/mo
▼ 0.25% · 3.875%
HK$35,696
−HK$1,094/mo
Today · 4.125%
HK$36,790
baseline
▲ 0.50% · 4.625%
HK$39,029
+HK$2,239/mo
Deposit HK$5.06M · loan HK$7.59M · min. income ≈ HK$73,580/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$474,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,514
−HK$2,080/mo
▼ 0.25% · 3.875%
HK$39,547
−HK$1,047/mo
Today · 4.125%
HK$40,594
baseline
▲ 0.50% · 4.625%
HK$42,734
+HK$2,140/mo
Deposit HK$5.06M · loan HK$7.59M · min. income ≈ HK$81,188/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$474,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,389
−HK$2,533/mo
▼ 0.25% · 3.875%
HK$41,646
−HK$1,276/mo
Today · 4.125%
HK$42,922
baseline
▲ 0.50% · 4.625%
HK$45,534
+HK$2,612/mo
Deposit HK$3.80M · loan HK$8.86M · min. income ≈ HK$85,844/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$474,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,933
−HK$2,427/mo
▼ 0.25% · 3.875%
HK$46,138
−HK$1,222/mo
Today · 4.125%
HK$47,360
baseline
▲ 0.50% · 4.625%
HK$49,857
+HK$2,497/mo
Deposit HK$3.80M · loan HK$8.86M · min. income ≈ HK$94,720/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$474,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,929
−HK$3,256/mo
▼ 0.25% · 3.875%
HK$53,544
−HK$1,641/mo
Today · 4.125%
HK$55,185
baseline
▲ 0.50% · 4.625%
HK$58,543
+HK$3,358/mo
Deposit HK$1.27M · loan HK$11.39M · min. income ≈ HK$110,370/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$474,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,771
−HK$3,121/mo
▼ 0.25% · 3.875%
HK$59,320
−HK$1,572/mo
Today · 4.125%
HK$60,892
baseline
▲ 0.50% · 4.625%
HK$64,101
+HK$3,209/mo
Deposit HK$1.27M · loan HK$11.39M · min. income ≈ HK$121,784/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$474,445 · Scale 2, in force from 26 Feb 2026)