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$28,911
−HK$1,813/mo
▼ 0.25% · 3.875%
HK$29,810
−HK$914/mo
Today · 4.125%
HK$30,724
baseline
▲ 0.50% · 4.625%
HK$32,593
+HK$1,869/mo
Deposit HK$6.34M · loan HK$6.34M · min. income ≈ HK$61,448/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$475,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,163
−HK$1,738/mo
▼ 0.25% · 3.875%
HK$33,026
−HK$875/mo
Today · 4.125%
HK$33,901
baseline
▲ 0.50% · 4.625%
HK$35,688
+HK$1,787/mo
Deposit HK$6.34M · loan HK$6.34M · min. income ≈ HK$67,802/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$475,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,693
−HK$2,176/mo
▼ 0.25% · 3.875%
HK$35,772
−HK$1,097/mo
Today · 4.125%
HK$36,869
baseline
▲ 0.50% · 4.625%
HK$39,112
+HK$2,243/mo
Deposit HK$5.07M · loan HK$7.61M · min. income ≈ HK$73,738/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$475,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,596
−HK$2,085/mo
▼ 0.25% · 3.875%
HK$39,631
−HK$1,050/mo
Today · 4.125%
HK$40,681
baseline
▲ 0.50% · 4.625%
HK$42,825
+HK$2,144/mo
Deposit HK$5.07M · loan HK$7.61M · min. income ≈ HK$81,362/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$475,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,475
−HK$2,539/mo
▼ 0.25% · 3.875%
HK$41,734
−HK$1,280/mo
Today · 4.125%
HK$43,014
baseline
▲ 0.50% · 4.625%
HK$45,631
+HK$2,617/mo
Deposit HK$3.80M · loan HK$8.88M · min. income ≈ HK$86,028/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,028
−HK$2,433/mo
▼ 0.25% · 3.875%
HK$46,236
−HK$1,225/mo
Today · 4.125%
HK$47,461
baseline
▲ 0.50% · 4.625%
HK$49,963
+HK$2,502/mo
Deposit HK$3.80M · loan HK$8.88M · min. income ≈ HK$94,922/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,040
−HK$3,263/mo
▼ 0.25% · 3.875%
HK$53,658
−HK$1,645/mo
Today · 4.125%
HK$55,303
baseline
▲ 0.50% · 4.625%
HK$58,668
+HK$3,365/mo
Deposit HK$1.27M · loan HK$11.41M · min. income ≈ HK$110,606/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$475,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,894
−HK$3,128/mo
▼ 0.25% · 3.875%
HK$59,446
−HK$1,576/mo
Today · 4.125%
HK$61,022
baseline
▲ 0.50% · 4.625%
HK$64,238
+HK$3,216/mo
Deposit HK$1.27M · loan HK$11.41M · min. income ≈ HK$122,044/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$475,456 · Scale 2, in force from 26 Feb 2026)