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$28,780
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$29,675
−HK$910/mo
Today · 4.125%
HK$30,585
baseline
▲ 0.50% · 4.625%
HK$32,446
+HK$1,861/mo
Deposit HK$6.31M · loan HK$6.31M · min. income ≈ HK$61,170/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$473,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,018
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$32,876
−HK$871/mo
Today · 4.125%
HK$33,747
baseline
▲ 0.50% · 4.625%
HK$35,526
+HK$1,779/mo
Deposit HK$6.31M · loan HK$6.31M · min. income ≈ HK$67,494/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$473,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,536
−HK$2,166/mo
▼ 0.25% · 3.875%
HK$35,610
−HK$1,092/mo
Today · 4.125%
HK$36,702
baseline
▲ 0.50% · 4.625%
HK$38,935
+HK$2,233/mo
Deposit HK$5.05M · loan HK$7.57M · min. income ≈ HK$73,404/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$473,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,421
−HK$2,076/mo
▼ 0.25% · 3.875%
HK$39,451
−HK$1,046/mo
Today · 4.125%
HK$40,497
baseline
▲ 0.50% · 4.625%
HK$42,631
+HK$2,134/mo
Deposit HK$5.05M · loan HK$7.57M · min. income ≈ HK$80,994/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$473,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,292
−HK$2,527/mo
▼ 0.25% · 3.875%
HK$41,545
−HK$1,274/mo
Today · 4.125%
HK$42,819
baseline
▲ 0.50% · 4.625%
HK$45,424
+HK$2,605/mo
Deposit HK$3.79M · loan HK$8.83M · min. income ≈ HK$85,638/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$473,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,825
−HK$2,421/mo
▼ 0.25% · 3.875%
HK$46,027
−HK$1,219/mo
Today · 4.125%
HK$47,246
baseline
▲ 0.50% · 4.625%
HK$49,737
+HK$2,491/mo
Deposit HK$3.79M · loan HK$8.83M · min. income ≈ HK$94,492/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$473,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,804
−HK$3,249/mo
▼ 0.25% · 3.875%
HK$53,416
−HK$1,637/mo
Today · 4.125%
HK$55,053
baseline
▲ 0.50% · 4.625%
HK$58,403
+HK$3,350/mo
Deposit HK$1.26M · loan HK$11.36M · min. income ≈ HK$110,106/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$473,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,632
−HK$3,113/mo
▼ 0.25% · 3.875%
HK$59,177
−HK$1,568/mo
Today · 4.125%
HK$60,745
baseline
▲ 0.50% · 4.625%
HK$63,947
+HK$3,202/mo
Deposit HK$1.26M · loan HK$11.36M · min. income ≈ HK$121,490/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$473,304 · Scale 2, in force from 26 Feb 2026)