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$28,812
−HK$1,807/mo
▼ 0.25% · 3.875%
HK$29,708
−HK$911/mo
Today · 4.125%
HK$30,619
baseline
▲ 0.50% · 4.625%
HK$32,482
+HK$1,863/mo
Deposit HK$6.32M · loan HK$6.32M · min. income ≈ HK$61,238/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$473,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,053
−HK$1,732/mo
▼ 0.25% · 3.875%
HK$32,913
−HK$872/mo
Today · 4.125%
HK$33,785
baseline
▲ 0.50% · 4.625%
HK$35,566
+HK$1,781/mo
Deposit HK$6.32M · loan HK$6.32M · min. income ≈ HK$67,570/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$473,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,574
−HK$2,169/mo
▼ 0.25% · 3.875%
HK$35,650
−HK$1,093/mo
Today · 4.125%
HK$36,743
baseline
▲ 0.50% · 4.625%
HK$38,978
+HK$2,235/mo
Deposit HK$5.05M · loan HK$7.58M · min. income ≈ HK$73,486/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$473,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,464
−HK$2,078/mo
▼ 0.25% · 3.875%
HK$39,495
−HK$1,047/mo
Today · 4.125%
HK$40,542
baseline
▲ 0.50% · 4.625%
HK$42,679
+HK$2,137/mo
Deposit HK$5.05M · loan HK$7.58M · min. income ≈ HK$81,084/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$473,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,337
−HK$2,529/mo
▼ 0.25% · 3.875%
HK$41,592
−HK$1,274/mo
Today · 4.125%
HK$42,866
baseline
▲ 0.50% · 4.625%
HK$45,475
+HK$2,609/mo
Deposit HK$3.79M · loan HK$8.84M · min. income ≈ HK$85,732/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$473,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,874
−HK$2,425/mo
▼ 0.25% · 3.875%
HK$46,078
−HK$1,221/mo
Today · 4.125%
HK$47,299
baseline
▲ 0.50% · 4.625%
HK$49,792
+HK$2,493/mo
Deposit HK$3.79M · loan HK$8.84M · min. income ≈ HK$94,598/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$473,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,862
−HK$3,252/mo
▼ 0.25% · 3.875%
HK$53,475
−HK$1,639/mo
Today · 4.125%
HK$55,114
baseline
▲ 0.50% · 4.625%
HK$58,467
+HK$3,353/mo
Deposit HK$1.26M · loan HK$11.37M · min. income ≈ HK$110,228/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$473,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,696
−HK$3,117/mo
▼ 0.25% · 3.875%
HK$59,243
−HK$1,570/mo
Today · 4.125%
HK$60,813
baseline
▲ 0.50% · 4.625%
HK$64,018
+HK$3,205/mo
Deposit HK$1.26M · loan HK$11.37M · min. income ≈ HK$121,626/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$473,829 · Scale 2, in force from 26 Feb 2026)