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$28,921
−HK$1,813/mo
▼ 0.25% · 3.875%
HK$29,820
−HK$914/mo
Today · 4.125%
HK$30,734
baseline
▲ 0.50% · 4.625%
HK$32,604
+HK$1,870/mo
Deposit HK$6.34M · loan HK$6.34M · min. income ≈ HK$61,468/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$475,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,174
−HK$1,738/mo
▼ 0.25% · 3.875%
HK$33,037
−HK$875/mo
Today · 4.125%
HK$33,912
baseline
▲ 0.50% · 4.625%
HK$35,700
+HK$1,788/mo
Deposit HK$6.34M · loan HK$6.34M · min. income ≈ HK$67,824/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$475,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,705
−HK$2,176/mo
▼ 0.25% · 3.875%
HK$35,784
−HK$1,097/mo
Today · 4.125%
HK$36,881
baseline
▲ 0.50% · 4.625%
HK$39,125
+HK$2,244/mo
Deposit HK$5.07M · loan HK$7.61M · min. income ≈ HK$73,762/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$475,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,609
−HK$2,086/mo
▼ 0.25% · 3.875%
HK$39,644
−HK$1,051/mo
Today · 4.125%
HK$40,695
baseline
▲ 0.50% · 4.625%
HK$42,840
+HK$2,145/mo
Deposit HK$5.07M · loan HK$7.61M · min. income ≈ HK$81,390/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$475,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,489
−HK$2,539/mo
▼ 0.25% · 3.875%
HK$41,749
−HK$1,279/mo
Today · 4.125%
HK$43,028
baseline
▲ 0.50% · 4.625%
HK$45,646
+HK$2,618/mo
Deposit HK$3.80M · loan HK$8.88M · min. income ≈ HK$86,056/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,044
−HK$2,433/mo
▼ 0.25% · 3.875%
HK$46,252
−HK$1,225/mo
Today · 4.125%
HK$47,477
baseline
▲ 0.50% · 4.625%
HK$49,980
+HK$2,503/mo
Deposit HK$3.80M · loan HK$8.88M · min. income ≈ HK$94,954/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,057
−HK$3,265/mo
▼ 0.25% · 3.875%
HK$53,677
−HK$1,645/mo
Today · 4.125%
HK$55,322
baseline
▲ 0.50% · 4.625%
HK$58,688
+HK$3,366/mo
Deposit HK$1.27M · loan HK$11.41M · min. income ≈ HK$110,644/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$475,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,913
−HK$3,129/mo
▼ 0.25% · 3.875%
HK$59,467
−HK$1,575/mo
Today · 4.125%
HK$61,042
baseline
▲ 0.50% · 4.625%
HK$64,260
+HK$3,218/mo
Deposit HK$1.27M · loan HK$11.41M · min. income ≈ HK$122,084/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$475,618 · Scale 2, in force from 26 Feb 2026)