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$28,787
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$29,682
−HK$910/mo
Today · 4.125%
HK$30,592
baseline
▲ 0.50% · 4.625%
HK$32,453
+HK$1,861/mo
Deposit HK$6.31M · loan HK$6.31M · min. income ≈ HK$61,184/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$473,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,025
−HK$1,730/mo
▼ 0.25% · 3.875%
HK$32,884
−HK$871/mo
Today · 4.125%
HK$33,755
baseline
▲ 0.50% · 4.625%
HK$35,534
+HK$1,779/mo
Deposit HK$6.31M · loan HK$6.31M · min. income ≈ HK$67,510/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$473,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,544
−HK$2,166/mo
▼ 0.25% · 3.875%
HK$35,618
−HK$1,092/mo
Today · 4.125%
HK$36,710
baseline
▲ 0.50% · 4.625%
HK$38,944
+HK$2,234/mo
Deposit HK$5.05M · loan HK$7.57M · min. income ≈ HK$73,420/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$473,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,430
−HK$2,076/mo
▼ 0.25% · 3.875%
HK$39,460
−HK$1,046/mo
Today · 4.125%
HK$40,506
baseline
▲ 0.50% · 4.625%
HK$42,641
+HK$2,135/mo
Deposit HK$5.05M · loan HK$7.57M · min. income ≈ HK$81,012/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$473,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,301
−HK$2,528/mo
▼ 0.25% · 3.875%
HK$41,555
−HK$1,274/mo
Today · 4.125%
HK$42,829
baseline
▲ 0.50% · 4.625%
HK$45,435
+HK$2,606/mo
Deposit HK$3.79M · loan HK$8.84M · min. income ≈ HK$85,658/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$473,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,835
−HK$2,422/mo
▼ 0.25% · 3.875%
HK$46,037
−HK$1,220/mo
Today · 4.125%
HK$47,257
baseline
▲ 0.50% · 4.625%
HK$49,748
+HK$2,491/mo
Deposit HK$3.79M · loan HK$8.84M · min. income ≈ HK$94,514/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$473,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,816
−HK$3,249/mo
▼ 0.25% · 3.875%
HK$53,428
−HK$1,637/mo
Today · 4.125%
HK$55,065
baseline
▲ 0.50% · 4.625%
HK$58,416
+HK$3,351/mo
Deposit HK$1.26M · loan HK$11.36M · min. income ≈ HK$110,130/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$473,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,645
−HK$3,114/mo
▼ 0.25% · 3.875%
HK$59,191
−HK$1,568/mo
Today · 4.125%
HK$60,759
baseline
▲ 0.50% · 4.625%
HK$63,962
+HK$3,203/mo
Deposit HK$1.26M · loan HK$11.36M · min. income ≈ HK$121,518/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$473,412 · Scale 2, in force from 26 Feb 2026)