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$28,857
−HK$1,809/mo
▼ 0.25% · 3.875%
HK$29,754
−HK$912/mo
Today · 4.125%
HK$30,666
baseline
▲ 0.50% · 4.625%
HK$32,532
+HK$1,866/mo
Deposit HK$6.33M · loan HK$6.33M · min. income ≈ HK$61,332/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$474,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,103
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$32,964
−HK$873/mo
Today · 4.125%
HK$33,837
baseline
▲ 0.50% · 4.625%
HK$35,621
+HK$1,784/mo
Deposit HK$6.33M · loan HK$6.33M · min. income ≈ HK$67,674/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$474,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,628
−HK$2,171/mo
▼ 0.25% · 3.875%
HK$35,705
−HK$1,094/mo
Today · 4.125%
HK$36,799
baseline
▲ 0.50% · 4.625%
HK$39,038
+HK$2,239/mo
Deposit HK$5.06M · loan HK$7.59M · min. income ≈ HK$73,598/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$474,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,523
−HK$2,081/mo
▼ 0.25% · 3.875%
HK$39,556
−HK$1,048/mo
Today · 4.125%
HK$40,604
baseline
▲ 0.50% · 4.625%
HK$42,745
+HK$2,141/mo
Deposit HK$5.06M · loan HK$7.59M · min. income ≈ HK$81,208/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$474,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,399
−HK$2,534/mo
▼ 0.25% · 3.875%
HK$41,656
−HK$1,277/mo
Today · 4.125%
HK$42,933
baseline
▲ 0.50% · 4.625%
HK$45,545
+HK$2,612/mo
Deposit HK$3.80M · loan HK$8.86M · min. income ≈ HK$85,866/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$474,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,944
−HK$2,428/mo
▼ 0.25% · 3.875%
HK$46,149
−HK$1,223/mo
Today · 4.125%
HK$47,372
baseline
▲ 0.50% · 4.625%
HK$49,869
+HK$2,497/mo
Deposit HK$3.80M · loan HK$8.86M · min. income ≈ HK$94,744/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$474,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,942
−HK$3,257/mo
▼ 0.25% · 3.875%
HK$53,557
−HK$1,642/mo
Today · 4.125%
HK$55,199
baseline
▲ 0.50% · 4.625%
HK$58,558
+HK$3,359/mo
Deposit HK$1.27M · loan HK$11.39M · min. income ≈ HK$110,398/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$474,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,785
−HK$3,122/mo
▼ 0.25% · 3.875%
HK$59,334
−HK$1,573/mo
Today · 4.125%
HK$60,907
baseline
▲ 0.50% · 4.625%
HK$64,117
+HK$3,210/mo
Deposit HK$1.27M · loan HK$11.39M · min. income ≈ HK$121,814/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$474,561 · Scale 2, in force from 26 Feb 2026)