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$28,913
−HK$1,813/mo
▼ 0.25% · 3.875%
HK$29,812
−HK$914/mo
Today · 4.125%
HK$30,726
baseline
▲ 0.50% · 4.625%
HK$32,596
+HK$1,870/mo
Deposit HK$6.34M · loan HK$6.34M · min. income ≈ HK$61,452/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$475,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,165
−HK$1,738/mo
▼ 0.25% · 3.875%
HK$33,028
−HK$875/mo
Today · 4.125%
HK$33,903
baseline
▲ 0.50% · 4.625%
HK$35,690
+HK$1,787/mo
Deposit HK$6.34M · loan HK$6.34M · min. income ≈ HK$67,806/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$475,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,696
−HK$2,175/mo
▼ 0.25% · 3.875%
HK$35,775
−HK$1,096/mo
Today · 4.125%
HK$36,871
baseline
▲ 0.50% · 4.625%
HK$39,115
+HK$2,244/mo
Deposit HK$5.07M · loan HK$7.61M · min. income ≈ HK$73,742/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$475,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,598
−HK$2,086/mo
▼ 0.25% · 3.875%
HK$39,634
−HK$1,050/mo
Today · 4.125%
HK$40,684
baseline
▲ 0.50% · 4.625%
HK$42,828
+HK$2,144/mo
Deposit HK$5.07M · loan HK$7.61M · min. income ≈ HK$81,368/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$475,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,478
−HK$2,539/mo
▼ 0.25% · 3.875%
HK$41,737
−HK$1,280/mo
Today · 4.125%
HK$43,017
baseline
▲ 0.50% · 4.625%
HK$45,634
+HK$2,617/mo
Deposit HK$3.80M · loan HK$8.88M · min. income ≈ HK$86,034/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,032
−HK$2,432/mo
▼ 0.25% · 3.875%
HK$46,239
−HK$1,225/mo
Today · 4.125%
HK$47,464
baseline
▲ 0.50% · 4.625%
HK$49,966
+HK$2,502/mo
Deposit HK$3.80M · loan HK$8.88M · min. income ≈ HK$94,928/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,043
−HK$3,264/mo
▼ 0.25% · 3.875%
HK$53,662
−HK$1,645/mo
Today · 4.125%
HK$55,307
baseline
▲ 0.50% · 4.625%
HK$58,672
+HK$3,365/mo
Deposit HK$1.27M · loan HK$11.41M · min. income ≈ HK$110,614/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$475,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,898
−HK$3,128/mo
▼ 0.25% · 3.875%
HK$59,451
−HK$1,575/mo
Today · 4.125%
HK$61,026
baseline
▲ 0.50% · 4.625%
HK$64,243
+HK$3,217/mo
Deposit HK$1.27M · loan HK$11.41M · min. income ≈ HK$122,052/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$475,489 · Scale 2, in force from 26 Feb 2026)