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$28,934
−HK$1,814/mo
▼ 0.25% · 3.875%
HK$29,834
−HK$914/mo
Today · 4.125%
HK$30,748
baseline
▲ 0.50% · 4.625%
HK$32,619
+HK$1,871/mo
Deposit HK$6.34M · loan HK$6.34M · min. income ≈ HK$61,496/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$475,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,188
−HK$1,739/mo
▼ 0.25% · 3.875%
HK$33,052
−HK$875/mo
Today · 4.125%
HK$33,927
baseline
▲ 0.50% · 4.625%
HK$35,716
+HK$1,789/mo
Deposit HK$6.34M · loan HK$6.34M · min. income ≈ HK$67,854/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$475,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,720
−HK$2,178/mo
▼ 0.25% · 3.875%
HK$35,800
−HK$1,098/mo
Today · 4.125%
HK$36,898
baseline
▲ 0.50% · 4.625%
HK$39,143
+HK$2,245/mo
Deposit HK$5.08M · loan HK$7.61M · min. income ≈ HK$73,796/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$475,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,626
−HK$2,087/mo
▼ 0.25% · 3.875%
HK$39,662
−HK$1,051/mo
Today · 4.125%
HK$40,713
baseline
▲ 0.50% · 4.625%
HK$42,859
+HK$2,146/mo
Deposit HK$5.08M · loan HK$7.61M · min. income ≈ HK$81,426/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$475,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,507
−HK$2,540/mo
▼ 0.25% · 3.875%
HK$41,767
−HK$1,280/mo
Today · 4.125%
HK$43,047
baseline
▲ 0.50% · 4.625%
HK$45,667
+HK$2,620/mo
Deposit HK$3.81M · loan HK$8.88M · min. income ≈ HK$86,094/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,064
−HK$2,434/mo
▼ 0.25% · 3.875%
HK$46,272
−HK$1,226/mo
Today · 4.125%
HK$47,498
baseline
▲ 0.50% · 4.625%
HK$50,002
+HK$2,504/mo
Deposit HK$3.81M · loan HK$8.88M · min. income ≈ HK$94,996/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,081
−HK$3,265/mo
▼ 0.25% · 3.875%
HK$53,701
−HK$1,645/mo
Today · 4.125%
HK$55,346
baseline
▲ 0.50% · 4.625%
HK$58,714
+HK$3,368/mo
Deposit HK$1.27M · loan HK$11.42M · min. income ≈ HK$110,692/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$475,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,939
−HK$3,130/mo
▼ 0.25% · 3.875%
HK$59,493
−HK$1,576/mo
Today · 4.125%
HK$61,069
baseline
▲ 0.50% · 4.625%
HK$64,288
+HK$3,219/mo
Deposit HK$1.27M · loan HK$11.42M · min. income ≈ HK$122,138/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$475,829 · Scale 2, in force from 26 Feb 2026)