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$28,851
−HK$1,809/mo
▼ 0.25% · 3.875%
HK$29,748
−HK$912/mo
Today · 4.125%
HK$30,660
baseline
▲ 0.50% · 4.625%
HK$32,526
+HK$1,866/mo
Deposit HK$6.33M · loan HK$6.33M · min. income ≈ HK$61,320/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$474,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,096
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$32,957
−HK$873/mo
Today · 4.125%
HK$33,830
baseline
▲ 0.50% · 4.625%
HK$35,614
+HK$1,784/mo
Deposit HK$6.33M · loan HK$6.33M · min. income ≈ HK$67,660/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$474,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,621
−HK$2,171/mo
▼ 0.25% · 3.875%
HK$35,698
−HK$1,094/mo
Today · 4.125%
HK$36,792
baseline
▲ 0.50% · 4.625%
HK$39,031
+HK$2,239/mo
Deposit HK$5.06M · loan HK$7.59M · min. income ≈ HK$73,584/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$474,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,516
−HK$2,081/mo
▼ 0.25% · 3.875%
HK$39,549
−HK$1,048/mo
Today · 4.125%
HK$40,597
baseline
▲ 0.50% · 4.625%
HK$42,736
+HK$2,139/mo
Deposit HK$5.06M · loan HK$7.59M · min. income ≈ HK$81,194/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$474,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,391
−HK$2,533/mo
▼ 0.25% · 3.875%
HK$41,648
−HK$1,276/mo
Today · 4.125%
HK$42,924
baseline
▲ 0.50% · 4.625%
HK$45,536
+HK$2,612/mo
Deposit HK$3.80M · loan HK$8.86M · min. income ≈ HK$85,848/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$474,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,935
−HK$2,428/mo
▼ 0.25% · 3.875%
HK$46,140
−HK$1,223/mo
Today · 4.125%
HK$47,363
baseline
▲ 0.50% · 4.625%
HK$49,859
+HK$2,496/mo
Deposit HK$3.80M · loan HK$8.86M · min. income ≈ HK$94,726/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$474,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,932
−HK$3,256/mo
▼ 0.25% · 3.875%
HK$53,547
−HK$1,641/mo
Today · 4.125%
HK$55,188
baseline
▲ 0.50% · 4.625%
HK$58,546
+HK$3,358/mo
Deposit HK$1.27M · loan HK$11.39M · min. income ≈ HK$110,376/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$474,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,774
−HK$3,121/mo
▼ 0.25% · 3.875%
HK$59,323
−HK$1,572/mo
Today · 4.125%
HK$60,895
baseline
▲ 0.50% · 4.625%
HK$64,105
+HK$3,210/mo
Deposit HK$1.27M · loan HK$11.39M · min. income ≈ HK$121,790/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$474,470 · Scale 2, in force from 26 Feb 2026)