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$28,886
−HK$1,811/mo
▼ 0.25% · 3.875%
HK$29,784
−HK$913/mo
Today · 4.125%
HK$30,697
baseline
▲ 0.50% · 4.625%
HK$32,565
+HK$1,868/mo
Deposit HK$6.33M · loan HK$6.33M · min. income ≈ HK$61,394/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$475,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,135
−HK$1,736/mo
▼ 0.25% · 3.875%
HK$32,997
−HK$874/mo
Today · 4.125%
HK$33,871
baseline
▲ 0.50% · 4.625%
HK$35,657
+HK$1,786/mo
Deposit HK$6.33M · loan HK$6.33M · min. income ≈ HK$67,742/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$475,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,663
−HK$2,174/mo
▼ 0.25% · 3.875%
HK$35,741
−HK$1,096/mo
Today · 4.125%
HK$36,837
baseline
▲ 0.50% · 4.625%
HK$39,078
+HK$2,241/mo
Deposit HK$5.07M · loan HK$7.60M · min. income ≈ HK$73,674/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$475,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,562
−HK$2,084/mo
▼ 0.25% · 3.875%
HK$39,597
−HK$1,049/mo
Today · 4.125%
HK$40,646
baseline
▲ 0.50% · 4.625%
HK$42,788
+HK$2,142/mo
Deposit HK$5.07M · loan HK$7.60M · min. income ≈ HK$81,292/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$475,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,440
−HK$2,536/mo
▼ 0.25% · 3.875%
HK$41,698
−HK$1,278/mo
Today · 4.125%
HK$42,976
baseline
▲ 0.50% · 4.625%
HK$45,591
+HK$2,615/mo
Deposit HK$3.80M · loan HK$8.87M · min. income ≈ HK$85,952/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,989
−HK$2,431/mo
▼ 0.25% · 3.875%
HK$46,196
−HK$1,224/mo
Today · 4.125%
HK$47,420
baseline
▲ 0.50% · 4.625%
HK$49,920
+HK$2,500/mo
Deposit HK$3.80M · loan HK$8.87M · min. income ≈ HK$94,840/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,995
−HK$3,260/mo
▼ 0.25% · 3.875%
HK$53,612
−HK$1,643/mo
Today · 4.125%
HK$55,255
baseline
▲ 0.50% · 4.625%
HK$58,617
+HK$3,362/mo
Deposit HK$1.27M · loan HK$11.40M · min. income ≈ HK$110,510/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$475,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,843
−HK$3,126/mo
▼ 0.25% · 3.875%
HK$59,395
−HK$1,574/mo
Today · 4.125%
HK$60,969
baseline
▲ 0.50% · 4.625%
HK$64,182
+HK$3,213/mo
Deposit HK$1.27M · loan HK$11.40M · min. income ≈ HK$121,938/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$475,044 · Scale 2, in force from 26 Feb 2026)