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$28,908
−HK$1,813/mo
▼ 0.25% · 3.875%
HK$29,808
−HK$913/mo
Today · 4.125%
HK$30,721
baseline
▲ 0.50% · 4.625%
HK$32,590
+HK$1,869/mo
Deposit HK$6.34M · loan HK$6.34M · min. income ≈ HK$61,442/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$475,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,160
−HK$1,738/mo
▼ 0.25% · 3.875%
HK$33,023
−HK$875/mo
Today · 4.125%
HK$33,898
baseline
▲ 0.50% · 4.625%
HK$35,685
+HK$1,787/mo
Deposit HK$6.34M · loan HK$6.34M · min. income ≈ HK$67,796/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$475,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,690
−HK$2,175/mo
▼ 0.25% · 3.875%
HK$35,769
−HK$1,096/mo
Today · 4.125%
HK$36,865
baseline
▲ 0.50% · 4.625%
HK$39,109
+HK$2,244/mo
Deposit HK$5.07M · loan HK$7.61M · min. income ≈ HK$73,730/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$475,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,592
−HK$2,085/mo
▼ 0.25% · 3.875%
HK$39,627
−HK$1,050/mo
Today · 4.125%
HK$40,677
baseline
▲ 0.50% · 4.625%
HK$42,821
+HK$2,144/mo
Deposit HK$5.07M · loan HK$7.61M · min. income ≈ HK$81,354/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$475,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,472
−HK$2,538/mo
▼ 0.25% · 3.875%
HK$41,731
−HK$1,279/mo
Today · 4.125%
HK$43,010
baseline
▲ 0.50% · 4.625%
HK$45,627
+HK$2,617/mo
Deposit HK$3.80M · loan HK$8.87M · min. income ≈ HK$86,020/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,024
−HK$2,433/mo
▼ 0.25% · 3.875%
HK$46,232
−HK$1,225/mo
Today · 4.125%
HK$47,457
baseline
▲ 0.50% · 4.625%
HK$49,958
+HK$2,501/mo
Deposit HK$3.80M · loan HK$8.87M · min. income ≈ HK$94,914/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,035
−HK$3,263/mo
▼ 0.25% · 3.875%
HK$53,654
−HK$1,644/mo
Today · 4.125%
HK$55,298
baseline
▲ 0.50% · 4.625%
HK$58,663
+HK$3,365/mo
Deposit HK$1.27M · loan HK$11.41M · min. income ≈ HK$110,596/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$475,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,888
−HK$3,128/mo
▼ 0.25% · 3.875%
HK$59,441
−HK$1,575/mo
Today · 4.125%
HK$61,016
baseline
▲ 0.50% · 4.625%
HK$64,232
+HK$3,216/mo
Deposit HK$1.27M · loan HK$11.41M · min. income ≈ HK$122,032/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$475,413 · Scale 2, in force from 26 Feb 2026)