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$28,897
−HK$1,812/mo
▼ 0.25% · 3.875%
HK$29,796
−HK$913/mo
Today · 4.125%
HK$30,709
baseline
▲ 0.50% · 4.625%
HK$32,578
+HK$1,869/mo
Deposit HK$6.34M · loan HK$6.34M · min. income ≈ HK$61,418/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$475,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,148
−HK$1,737/mo
▼ 0.25% · 3.875%
HK$33,010
−HK$875/mo
Today · 4.125%
HK$33,885
baseline
▲ 0.50% · 4.625%
HK$35,671
+HK$1,786/mo
Deposit HK$6.34M · loan HK$6.34M · min. income ≈ HK$67,770/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$475,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,677
−HK$2,174/mo
▼ 0.25% · 3.875%
HK$35,755
−HK$1,096/mo
Today · 4.125%
HK$36,851
baseline
▲ 0.50% · 4.625%
HK$39,094
+HK$2,243/mo
Deposit HK$5.07M · loan HK$7.60M · min. income ≈ HK$73,702/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$475,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,578
−HK$2,084/mo
▼ 0.25% · 3.875%
HK$39,612
−HK$1,050/mo
Today · 4.125%
HK$40,662
baseline
▲ 0.50% · 4.625%
HK$42,805
+HK$2,143/mo
Deposit HK$5.07M · loan HK$7.60M · min. income ≈ HK$81,324/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$475,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,456
−HK$2,537/mo
▼ 0.25% · 3.875%
HK$41,715
−HK$1,278/mo
Today · 4.125%
HK$42,993
baseline
▲ 0.50% · 4.625%
HK$45,609
+HK$2,616/mo
Deposit HK$3.80M · loan HK$8.87M · min. income ≈ HK$85,986/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,007
−HK$2,432/mo
▼ 0.25% · 3.875%
HK$46,214
−HK$1,225/mo
Today · 4.125%
HK$47,439
baseline
▲ 0.50% · 4.625%
HK$49,939
+HK$2,500/mo
Deposit HK$3.80M · loan HK$8.87M · min. income ≈ HK$94,878/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,015
−HK$3,262/mo
▼ 0.25% · 3.875%
HK$53,633
−HK$1,644/mo
Today · 4.125%
HK$55,277
baseline
▲ 0.50% · 4.625%
HK$58,641
+HK$3,364/mo
Deposit HK$1.27M · loan HK$11.41M · min. income ≈ HK$110,554/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$475,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,866
−HK$3,127/mo
▼ 0.25% · 3.875%
HK$59,418
−HK$1,575/mo
Today · 4.125%
HK$60,993
baseline
▲ 0.50% · 4.625%
HK$64,208
+HK$3,215/mo
Deposit HK$1.27M · loan HK$11.41M · min. income ≈ HK$121,986/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$475,232 · Scale 2, in force from 26 Feb 2026)