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$28,880
−HK$1,811/mo
▼ 0.25% · 3.875%
HK$29,778
−HK$913/mo
Today · 4.125%
HK$30,691
baseline
▲ 0.50% · 4.625%
HK$32,559
+HK$1,868/mo
Deposit HK$6.33M · loan HK$6.33M · min. income ≈ HK$61,382/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$474,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,129
−HK$1,736/mo
▼ 0.25% · 3.875%
HK$32,991
−HK$874/mo
Today · 4.125%
HK$33,865
baseline
▲ 0.50% · 4.625%
HK$35,650
+HK$1,785/mo
Deposit HK$6.33M · loan HK$6.33M · min. income ≈ HK$67,730/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$474,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,656
−HK$2,173/mo
▼ 0.25% · 3.875%
HK$35,734
−HK$1,095/mo
Today · 4.125%
HK$36,829
baseline
▲ 0.50% · 4.625%
HK$39,070
+HK$2,241/mo
Deposit HK$5.07M · loan HK$7.60M · min. income ≈ HK$73,658/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$474,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,555
−HK$2,083/mo
▼ 0.25% · 3.875%
HK$39,589
−HK$1,049/mo
Today · 4.125%
HK$40,638
baseline
▲ 0.50% · 4.625%
HK$42,780
+HK$2,142/mo
Deposit HK$5.07M · loan HK$7.60M · min. income ≈ HK$81,276/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$474,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,432
−HK$2,536/mo
▼ 0.25% · 3.875%
HK$41,690
−HK$1,278/mo
Today · 4.125%
HK$42,968
baseline
▲ 0.50% · 4.625%
HK$45,582
+HK$2,614/mo
Deposit HK$3.80M · loan HK$8.87M · min. income ≈ HK$85,936/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$474,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,980
−HK$2,431/mo
▼ 0.25% · 3.875%
HK$46,187
−HK$1,224/mo
Today · 4.125%
HK$47,411
baseline
▲ 0.50% · 4.625%
HK$49,910
+HK$2,499/mo
Deposit HK$3.80M · loan HK$8.87M · min. income ≈ HK$94,822/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$474,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,984
−HK$3,260/mo
▼ 0.25% · 3.875%
HK$53,601
−HK$1,643/mo
Today · 4.125%
HK$55,244
baseline
▲ 0.50% · 4.625%
HK$58,606
+HK$3,362/mo
Deposit HK$1.27M · loan HK$11.40M · min. income ≈ HK$110,488/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$474,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,832
−HK$3,124/mo
▼ 0.25% · 3.875%
HK$59,383
−HK$1,573/mo
Today · 4.125%
HK$60,956
baseline
▲ 0.50% · 4.625%
HK$64,170
+HK$3,214/mo
Deposit HK$1.27M · loan HK$11.40M · min. income ≈ HK$121,912/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$474,949 · Scale 2, in force from 26 Feb 2026)