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$28,814
−HK$1,807/mo
▼ 0.25% · 3.875%
HK$29,710
−HK$911/mo
Today · 4.125%
HK$30,621
baseline
▲ 0.50% · 4.625%
HK$32,484
+HK$1,863/mo
Deposit HK$6.32M · loan HK$6.32M · min. income ≈ HK$61,242/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$473,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,055
−HK$1,732/mo
▼ 0.25% · 3.875%
HK$32,915
−HK$872/mo
Today · 4.125%
HK$33,787
baseline
▲ 0.50% · 4.625%
HK$35,568
+HK$1,781/mo
Deposit HK$6.32M · loan HK$6.32M · min. income ≈ HK$67,574/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$473,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,576
−HK$2,169/mo
▼ 0.25% · 3.875%
HK$35,652
−HK$1,093/mo
Today · 4.125%
HK$36,745
baseline
▲ 0.50% · 4.625%
HK$38,980
+HK$2,235/mo
Deposit HK$5.05M · loan HK$7.58M · min. income ≈ HK$73,490/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$473,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,466
−HK$2,078/mo
▼ 0.25% · 3.875%
HK$39,498
−HK$1,046/mo
Today · 4.125%
HK$40,544
baseline
▲ 0.50% · 4.625%
HK$42,681
+HK$2,137/mo
Deposit HK$5.05M · loan HK$7.58M · min. income ≈ HK$81,088/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$473,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,339
−HK$2,530/mo
▼ 0.25% · 3.875%
HK$41,594
−HK$1,275/mo
Today · 4.125%
HK$42,869
baseline
▲ 0.50% · 4.625%
HK$45,477
+HK$2,608/mo
Deposit HK$3.79M · loan HK$8.85M · min. income ≈ HK$85,738/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$473,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,877
−HK$2,424/mo
▼ 0.25% · 3.875%
HK$46,080
−HK$1,221/mo
Today · 4.125%
HK$47,301
baseline
▲ 0.50% · 4.625%
HK$49,795
+HK$2,494/mo
Deposit HK$3.79M · loan HK$8.85M · min. income ≈ HK$94,602/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$473,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,865
−HK$3,252/mo
▼ 0.25% · 3.875%
HK$53,478
−HK$1,639/mo
Today · 4.125%
HK$55,117
baseline
▲ 0.50% · 4.625%
HK$58,471
+HK$3,354/mo
Deposit HK$1.26M · loan HK$11.37M · min. income ≈ HK$110,234/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$473,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,699
−HK$3,117/mo
▼ 0.25% · 3.875%
HK$59,246
−HK$1,570/mo
Today · 4.125%
HK$60,816
baseline
▲ 0.50% · 4.625%
HK$64,022
+HK$3,206/mo
Deposit HK$1.26M · loan HK$11.37M · min. income ≈ HK$121,632/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$473,856 · Scale 2, in force from 26 Feb 2026)