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$28,870
−HK$1,810/mo
▼ 0.25% · 3.875%
HK$29,768
−HK$912/mo
Today · 4.125%
HK$30,680
baseline
▲ 0.50% · 4.625%
HK$32,547
+HK$1,867/mo
Deposit HK$6.33M · loan HK$6.33M · min. income ≈ HK$61,360/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$474,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,117
−HK$1,736/mo
▼ 0.25% · 3.875%
HK$32,979
−HK$874/mo
Today · 4.125%
HK$33,853
baseline
▲ 0.50% · 4.625%
HK$35,637
+HK$1,784/mo
Deposit HK$6.33M · loan HK$6.33M · min. income ≈ HK$67,706/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$474,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,644
−HK$2,172/mo
▼ 0.25% · 3.875%
HK$35,721
−HK$1,095/mo
Today · 4.125%
HK$36,816
baseline
▲ 0.50% · 4.625%
HK$39,056
+HK$2,240/mo
Deposit HK$5.06M · loan HK$7.60M · min. income ≈ HK$73,632/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$474,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,541
−HK$2,082/mo
▼ 0.25% · 3.875%
HK$39,574
−HK$1,049/mo
Today · 4.125%
HK$40,623
baseline
▲ 0.50% · 4.625%
HK$42,764
+HK$2,141/mo
Deposit HK$5.06M · loan HK$7.60M · min. income ≈ HK$81,246/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$474,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,418
−HK$2,534/mo
▼ 0.25% · 3.875%
HK$41,675
−HK$1,277/mo
Today · 4.125%
HK$42,952
baseline
▲ 0.50% · 4.625%
HK$45,566
+HK$2,614/mo
Deposit HK$3.80M · loan HK$8.86M · min. income ≈ HK$85,904/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$474,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,964
−HK$2,430/mo
▼ 0.25% · 3.875%
HK$46,170
−HK$1,224/mo
Today · 4.125%
HK$47,394
baseline
▲ 0.50% · 4.625%
HK$49,892
+HK$2,498/mo
Deposit HK$3.80M · loan HK$8.86M · min. income ≈ HK$94,788/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$474,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,966
−HK$3,258/mo
▼ 0.25% · 3.875%
HK$53,582
−HK$1,642/mo
Today · 4.125%
HK$55,224
baseline
▲ 0.50% · 4.625%
HK$58,585
+HK$3,361/mo
Deposit HK$1.27M · loan HK$11.39M · min. income ≈ HK$110,448/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$474,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,811
−HK$3,124/mo
▼ 0.25% · 3.875%
HK$59,362
−HK$1,573/mo
Today · 4.125%
HK$60,935
baseline
▲ 0.50% · 4.625%
HK$64,147
+HK$3,212/mo
Deposit HK$1.27M · loan HK$11.39M · min. income ≈ HK$121,870/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$474,779 · Scale 2, in force from 26 Feb 2026)