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$28,807
−HK$1,807/mo
▼ 0.25% · 3.875%
HK$29,704
−HK$910/mo
Today · 4.125%
HK$30,614
baseline
▲ 0.50% · 4.625%
HK$32,477
+HK$1,863/mo
Deposit HK$6.32M · loan HK$6.32M · min. income ≈ HK$61,228/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$473,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,048
−HK$1,732/mo
▼ 0.25% · 3.875%
HK$32,908
−HK$872/mo
Today · 4.125%
HK$33,780
baseline
▲ 0.50% · 4.625%
HK$35,560
+HK$1,780/mo
Deposit HK$6.32M · loan HK$6.32M · min. income ≈ HK$67,560/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$473,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,569
−HK$2,168/mo
▼ 0.25% · 3.875%
HK$35,644
−HK$1,093/mo
Today · 4.125%
HK$36,737
baseline
▲ 0.50% · 4.625%
HK$38,972
+HK$2,235/mo
Deposit HK$5.05M · loan HK$7.58M · min. income ≈ HK$73,474/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$473,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,458
−HK$2,077/mo
▼ 0.25% · 3.875%
HK$39,489
−HK$1,046/mo
Today · 4.125%
HK$40,535
baseline
▲ 0.50% · 4.625%
HK$42,672
+HK$2,137/mo
Deposit HK$5.05M · loan HK$7.58M · min. income ≈ HK$81,070/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$473,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,330
−HK$2,530/mo
▼ 0.25% · 3.875%
HK$41,585
−HK$1,275/mo
Today · 4.125%
HK$42,860
baseline
▲ 0.50% · 4.625%
HK$45,467
+HK$2,607/mo
Deposit HK$3.79M · loan HK$8.84M · min. income ≈ HK$85,720/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$473,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,867
−HK$2,424/mo
▼ 0.25% · 3.875%
HK$46,071
−HK$1,220/mo
Today · 4.125%
HK$47,291
baseline
▲ 0.50% · 4.625%
HK$49,784
+HK$2,493/mo
Deposit HK$3.79M · loan HK$8.84M · min. income ≈ HK$94,582/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$473,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,853
−HK$3,252/mo
▼ 0.25% · 3.875%
HK$53,466
−HK$1,639/mo
Today · 4.125%
HK$55,105
baseline
▲ 0.50% · 4.625%
HK$58,458
+HK$3,353/mo
Deposit HK$1.26M · loan HK$11.37M · min. income ≈ HK$110,210/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$473,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,686
−HK$3,117/mo
▼ 0.25% · 3.875%
HK$59,234
−HK$1,569/mo
Today · 4.125%
HK$60,803
baseline
▲ 0.50% · 4.625%
HK$64,008
+HK$3,205/mo
Deposit HK$1.26M · loan HK$11.37M · min. income ≈ HK$121,606/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$473,755 · Scale 2, in force from 26 Feb 2026)