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$28,935
−HK$1,814/mo
▼ 0.25% · 3.875%
HK$29,835
−HK$914/mo
Today · 4.125%
HK$30,749
baseline
▲ 0.50% · 4.625%
HK$32,620
+HK$1,871/mo
Deposit HK$6.34M · loan HK$6.34M · min. income ≈ HK$61,498/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$475,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,190
−HK$1,739/mo
▼ 0.25% · 3.875%
HK$33,053
−HK$876/mo
Today · 4.125%
HK$33,929
baseline
▲ 0.50% · 4.625%
HK$35,717
+HK$1,788/mo
Deposit HK$6.34M · loan HK$6.34M · min. income ≈ HK$67,858/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$475,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,722
−HK$2,177/mo
▼ 0.25% · 3.875%
HK$35,802
−HK$1,097/mo
Today · 4.125%
HK$36,899
baseline
▲ 0.50% · 4.625%
HK$39,144
+HK$2,245/mo
Deposit HK$5.08M · loan HK$7.61M · min. income ≈ HK$73,798/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$475,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,628
−HK$2,087/mo
▼ 0.25% · 3.875%
HK$39,664
−HK$1,051/mo
Today · 4.125%
HK$40,715
baseline
▲ 0.50% · 4.625%
HK$42,861
+HK$2,146/mo
Deposit HK$5.08M · loan HK$7.61M · min. income ≈ HK$81,430/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$475,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,509
−HK$2,540/mo
▼ 0.25% · 3.875%
HK$41,769
−HK$1,280/mo
Today · 4.125%
HK$43,049
baseline
▲ 0.50% · 4.625%
HK$45,668
+HK$2,619/mo
Deposit HK$3.81M · loan HK$8.88M · min. income ≈ HK$86,098/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,066
−HK$2,434/mo
▼ 0.25% · 3.875%
HK$46,274
−HK$1,226/mo
Today · 4.125%
HK$47,500
baseline
▲ 0.50% · 4.625%
HK$50,004
+HK$2,504/mo
Deposit HK$3.81M · loan HK$8.88M · min. income ≈ HK$95,000/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,083
−HK$3,266/mo
▼ 0.25% · 3.875%
HK$53,703
−HK$1,646/mo
Today · 4.125%
HK$55,349
baseline
▲ 0.50% · 4.625%
HK$58,717
+HK$3,368/mo
Deposit HK$1.27M · loan HK$11.42M · min. income ≈ HK$110,698/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$475,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,941
−HK$3,131/mo
▼ 0.25% · 3.875%
HK$59,495
−HK$1,577/mo
Today · 4.125%
HK$61,072
baseline
▲ 0.50% · 4.625%
HK$64,291
+HK$3,219/mo
Deposit HK$1.27M · loan HK$11.42M · min. income ≈ HK$122,144/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$475,849 · Scale 2, in force from 26 Feb 2026)