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$28,875
−HK$1,811/mo
▼ 0.25% · 3.875%
HK$29,773
−HK$913/mo
Today · 4.125%
HK$30,686
baseline
▲ 0.50% · 4.625%
HK$32,553
+HK$1,867/mo
Deposit HK$6.33M · loan HK$6.33M · min. income ≈ HK$61,372/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$474,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,123
−HK$1,735/mo
▼ 0.25% · 3.875%
HK$32,984
−HK$874/mo
Today · 4.125%
HK$33,858
baseline
▲ 0.50% · 4.625%
HK$35,643
+HK$1,785/mo
Deposit HK$6.33M · loan HK$6.33M · min. income ≈ HK$67,716/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$474,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,650
−HK$2,173/mo
▼ 0.25% · 3.875%
HK$35,728
−HK$1,095/mo
Today · 4.125%
HK$36,823
baseline
▲ 0.50% · 4.625%
HK$39,063
+HK$2,240/mo
Deposit HK$5.07M · loan HK$7.60M · min. income ≈ HK$73,646/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$474,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,548
−HK$2,082/mo
▼ 0.25% · 3.875%
HK$39,581
−HK$1,049/mo
Today · 4.125%
HK$40,630
baseline
▲ 0.50% · 4.625%
HK$42,772
+HK$2,142/mo
Deposit HK$5.07M · loan HK$7.60M · min. income ≈ HK$81,260/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$474,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,425
−HK$2,535/mo
▼ 0.25% · 3.875%
HK$41,682
−HK$1,278/mo
Today · 4.125%
HK$42,960
baseline
▲ 0.50% · 4.625%
HK$45,574
+HK$2,614/mo
Deposit HK$3.80M · loan HK$8.86M · min. income ≈ HK$85,920/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$474,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,972
−HK$2,430/mo
▼ 0.25% · 3.875%
HK$46,178
−HK$1,224/mo
Today · 4.125%
HK$47,402
baseline
▲ 0.50% · 4.625%
HK$49,900
+HK$2,498/mo
Deposit HK$3.80M · loan HK$8.86M · min. income ≈ HK$94,804/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$474,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,975
−HK$3,259/mo
▼ 0.25% · 3.875%
HK$53,591
−HK$1,643/mo
Today · 4.125%
HK$55,234
baseline
▲ 0.50% · 4.625%
HK$58,595
+HK$3,361/mo
Deposit HK$1.27M · loan HK$11.40M · min. income ≈ HK$110,468/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$474,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,821
−HK$3,124/mo
▼ 0.25% · 3.875%
HK$59,372
−HK$1,573/mo
Today · 4.125%
HK$60,945
baseline
▲ 0.50% · 4.625%
HK$64,158
+HK$3,213/mo
Deposit HK$1.27M · loan HK$11.40M · min. income ≈ HK$121,890/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$474,861 · Scale 2, in force from 26 Feb 2026)