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$28,841
−HK$1,809/mo
▼ 0.25% · 3.875%
HK$29,738
−HK$912/mo
Today · 4.125%
HK$30,650
baseline
▲ 0.50% · 4.625%
HK$32,515
+HK$1,865/mo
Deposit HK$6.32M · loan HK$6.32M · min. income ≈ HK$61,300/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$474,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,086
−HK$1,733/mo
▼ 0.25% · 3.875%
HK$32,946
−HK$873/mo
Today · 4.125%
HK$33,819
baseline
▲ 0.50% · 4.625%
HK$35,602
+HK$1,783/mo
Deposit HK$6.32M · loan HK$6.32M · min. income ≈ HK$67,638/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$474,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,610
−HK$2,170/mo
▼ 0.25% · 3.875%
HK$35,686
−HK$1,094/mo
Today · 4.125%
HK$36,780
baseline
▲ 0.50% · 4.625%
HK$39,018
+HK$2,238/mo
Deposit HK$5.06M · loan HK$7.59M · min. income ≈ HK$73,560/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$474,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,503
−HK$2,080/mo
▼ 0.25% · 3.875%
HK$39,535
−HK$1,048/mo
Today · 4.125%
HK$40,583
baseline
▲ 0.50% · 4.625%
HK$42,722
+HK$2,139/mo
Deposit HK$5.06M · loan HK$7.59M · min. income ≈ HK$81,166/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$474,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,378
−HK$2,532/mo
▼ 0.25% · 3.875%
HK$41,634
−HK$1,276/mo
Today · 4.125%
HK$42,910
baseline
▲ 0.50% · 4.625%
HK$45,521
+HK$2,611/mo
Deposit HK$3.79M · loan HK$8.85M · min. income ≈ HK$85,820/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$474,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,920
−HK$2,427/mo
▼ 0.25% · 3.875%
HK$46,125
−HK$1,222/mo
Today · 4.125%
HK$47,347
baseline
▲ 0.50% · 4.625%
HK$49,843
+HK$2,496/mo
Deposit HK$3.79M · loan HK$8.85M · min. income ≈ HK$94,694/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$474,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,914
−HK$3,256/mo
▼ 0.25% · 3.875%
HK$53,529
−HK$1,641/mo
Today · 4.125%
HK$55,170
baseline
▲ 0.50% · 4.625%
HK$58,527
+HK$3,357/mo
Deposit HK$1.26M · loan HK$11.38M · min. income ≈ HK$110,340/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$474,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,754
−HK$3,120/mo
▼ 0.25% · 3.875%
HK$59,303
−HK$1,571/mo
Today · 4.125%
HK$60,874
baseline
▲ 0.50% · 4.625%
HK$64,083
+HK$3,209/mo
Deposit HK$1.26M · loan HK$11.38M · min. income ≈ HK$121,748/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$474,311 · Scale 2, in force from 26 Feb 2026)