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$29,665
−HK$910/mo
Today · 4.125%
HK$30,575
baseline
▲ 0.50% · 4.625%
HK$32,435
+HK$1,860/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$473,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,007
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$32,865
−HK$871/mo
Today · 4.125%
HK$33,736
baseline
▲ 0.50% · 4.625%
HK$35,514
+HK$1,778/mo
Deposit HK$6.31M · loan HK$6.31M · min. income ≈ HK$67,472/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$473,147 · 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$38,922
+HK$2,232/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$473,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,408
−HK$2,075/mo
▼ 0.25% · 3.875%
HK$39,438
−HK$1,045/mo
Today · 4.125%
HK$40,483
baseline
▲ 0.50% · 4.625%
HK$42,617
+HK$2,134/mo
Deposit HK$5.05M · loan HK$7.57M · min. income ≈ HK$80,966/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$473,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,279
−HK$2,526/mo
▼ 0.25% · 3.875%
HK$41,532
−HK$1,273/mo
Today · 4.125%
HK$42,805
baseline
▲ 0.50% · 4.625%
HK$45,409
+HK$2,604/mo
Deposit HK$3.79M · loan HK$8.83M · min. income ≈ HK$85,610/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$473,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,810
−HK$2,421/mo
▼ 0.25% · 3.875%
HK$46,011
−HK$1,220/mo
Today · 4.125%
HK$47,231
baseline
▲ 0.50% · 4.625%
HK$49,720
+HK$2,489/mo
Deposit HK$3.79M · loan HK$8.83M · min. income ≈ HK$94,462/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$473,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,787
−HK$3,247/mo
▼ 0.25% · 3.875%
HK$53,398
−HK$1,636/mo
Today · 4.125%
HK$55,034
baseline
▲ 0.50% · 4.625%
HK$58,383
+HK$3,349/mo
Deposit HK$1.26M · loan HK$11.36M · min. income ≈ HK$110,068/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$473,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,612
−HK$3,113/mo
▼ 0.25% · 3.875%
HK$59,158
−HK$1,567/mo
Today · 4.125%
HK$60,725
baseline
▲ 0.50% · 4.625%
HK$63,926
+HK$3,201/mo
Deposit HK$1.26M · loan HK$11.36M · min. income ≈ HK$121,450/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$473,147 · Scale 2, in force from 26 Feb 2026)