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$28,877
−HK$1,810/mo
▼ 0.25% · 3.875%
HK$29,775
−HK$912/mo
Today · 4.125%
HK$30,687
baseline
▲ 0.50% · 4.625%
HK$32,555
+HK$1,868/mo
Deposit HK$6.33M · loan HK$6.33M · min. income ≈ HK$61,374/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$474,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,125
−HK$1,735/mo
▼ 0.25% · 3.875%
HK$32,986
−HK$874/mo
Today · 4.125%
HK$33,860
baseline
▲ 0.50% · 4.625%
HK$35,645
+HK$1,785/mo
Deposit HK$6.33M · loan HK$6.33M · min. income ≈ HK$67,720/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$474,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,652
−HK$2,173/mo
▼ 0.25% · 3.875%
HK$35,730
−HK$1,095/mo
Today · 4.125%
HK$36,825
baseline
▲ 0.50% · 4.625%
HK$39,066
+HK$2,241/mo
Deposit HK$5.07M · loan HK$7.60M · min. income ≈ HK$73,650/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$474,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,550
−HK$2,083/mo
▼ 0.25% · 3.875%
HK$39,584
−HK$1,049/mo
Today · 4.125%
HK$40,633
baseline
▲ 0.50% · 4.625%
HK$42,774
+HK$2,141/mo
Deposit HK$5.07M · loan HK$7.60M · min. income ≈ HK$81,266/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$474,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,427
−HK$2,535/mo
▼ 0.25% · 3.875%
HK$41,685
−HK$1,277/mo
Today · 4.125%
HK$42,962
baseline
▲ 0.50% · 4.625%
HK$45,576
+HK$2,614/mo
Deposit HK$3.80M · loan HK$8.86M · min. income ≈ HK$85,924/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$474,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,975
−HK$2,430/mo
▼ 0.25% · 3.875%
HK$46,181
−HK$1,224/mo
Today · 4.125%
HK$47,405
baseline
▲ 0.50% · 4.625%
HK$49,903
+HK$2,498/mo
Deposit HK$3.80M · loan HK$8.86M · min. income ≈ HK$94,810/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$474,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,978
−HK$3,259/mo
▼ 0.25% · 3.875%
HK$53,595
−HK$1,642/mo
Today · 4.125%
HK$55,237
baseline
▲ 0.50% · 4.625%
HK$58,598
+HK$3,361/mo
Deposit HK$1.27M · loan HK$11.40M · min. income ≈ HK$110,474/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$474,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,825
−HK$3,124/mo
▼ 0.25% · 3.875%
HK$59,376
−HK$1,573/mo
Today · 4.125%
HK$60,949
baseline
▲ 0.50% · 4.625%
HK$64,162
+HK$3,213/mo
Deposit HK$1.27M · loan HK$11.40M · min. income ≈ HK$121,898/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$474,890 · Scale 2, in force from 26 Feb 2026)