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$28,895
−HK$1,812/mo
▼ 0.25% · 3.875%
HK$29,794
−HK$913/mo
Today · 4.125%
HK$30,707
baseline
▲ 0.50% · 4.625%
HK$32,575
+HK$1,868/mo
Deposit HK$6.34M · loan HK$6.34M · min. income ≈ HK$61,414/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$475,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,145
−HK$1,737/mo
▼ 0.25% · 3.875%
HK$33,007
−HK$875/mo
Today · 4.125%
HK$33,882
baseline
▲ 0.50% · 4.625%
HK$35,668
+HK$1,786/mo
Deposit HK$6.34M · loan HK$6.34M · min. income ≈ HK$67,764/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$475,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,674
−HK$2,174/mo
▼ 0.25% · 3.875%
HK$35,752
−HK$1,096/mo
Today · 4.125%
HK$36,848
baseline
▲ 0.50% · 4.625%
HK$39,090
+HK$2,242/mo
Deposit HK$5.07M · loan HK$7.60M · min. income ≈ HK$73,696/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$475,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,574
−HK$2,084/mo
▼ 0.25% · 3.875%
HK$39,609
−HK$1,049/mo
Today · 4.125%
HK$40,658
baseline
▲ 0.50% · 4.625%
HK$42,802
+HK$2,144/mo
Deposit HK$5.07M · loan HK$7.60M · min. income ≈ HK$81,316/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$475,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,453
−HK$2,537/mo
▼ 0.25% · 3.875%
HK$41,711
−HK$1,279/mo
Today · 4.125%
HK$42,990
baseline
▲ 0.50% · 4.625%
HK$45,605
+HK$2,615/mo
Deposit HK$3.80M · loan HK$8.87M · min. income ≈ HK$85,980/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,003
−HK$2,432/mo
▼ 0.25% · 3.875%
HK$46,210
−HK$1,225/mo
Today · 4.125%
HK$47,435
baseline
▲ 0.50% · 4.625%
HK$49,935
+HK$2,500/mo
Deposit HK$3.80M · loan HK$8.87M · min. income ≈ HK$94,870/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,011
−HK$3,261/mo
▼ 0.25% · 3.875%
HK$53,629
−HK$1,643/mo
Today · 4.125%
HK$55,272
baseline
▲ 0.50% · 4.625%
HK$58,636
+HK$3,364/mo
Deposit HK$1.27M · loan HK$11.40M · min. income ≈ HK$110,544/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$475,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,862
−HK$3,126/mo
▼ 0.25% · 3.875%
HK$59,413
−HK$1,575/mo
Today · 4.125%
HK$60,988
baseline
▲ 0.50% · 4.625%
HK$64,202
+HK$3,214/mo
Deposit HK$1.27M · loan HK$11.40M · min. income ≈ HK$121,976/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$475,192 · Scale 2, in force from 26 Feb 2026)