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$28,912
−HK$1,813/mo
▼ 0.25% · 3.875%
HK$29,811
−HK$914/mo
Today · 4.125%
HK$30,725
baseline
▲ 0.50% · 4.625%
HK$32,595
+HK$1,870/mo
Deposit HK$6.34M · loan HK$6.34M · min. income ≈ HK$61,450/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$475,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,164
−HK$1,738/mo
▼ 0.25% · 3.875%
HK$33,027
−HK$875/mo
Today · 4.125%
HK$33,902
baseline
▲ 0.50% · 4.625%
HK$35,689
+HK$1,787/mo
Deposit HK$6.34M · loan HK$6.34M · min. income ≈ HK$67,804/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$475,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,695
−HK$2,175/mo
▼ 0.25% · 3.875%
HK$35,774
−HK$1,096/mo
Today · 4.125%
HK$36,870
baseline
▲ 0.50% · 4.625%
HK$39,114
+HK$2,244/mo
Deposit HK$5.07M · loan HK$7.61M · min. income ≈ HK$73,740/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$475,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,597
−HK$2,086/mo
▼ 0.25% · 3.875%
HK$39,632
−HK$1,051/mo
Today · 4.125%
HK$40,683
baseline
▲ 0.50% · 4.625%
HK$42,827
+HK$2,144/mo
Deposit HK$5.07M · loan HK$7.61M · min. income ≈ HK$81,366/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$475,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,477
−HK$2,538/mo
▼ 0.25% · 3.875%
HK$41,736
−HK$1,279/mo
Today · 4.125%
HK$43,015
baseline
▲ 0.50% · 4.625%
HK$45,633
+HK$2,618/mo
Deposit HK$3.80M · loan HK$8.88M · min. income ≈ HK$86,030/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,030
−HK$2,433/mo
▼ 0.25% · 3.875%
HK$46,238
−HK$1,225/mo
Today · 4.125%
HK$47,463
baseline
▲ 0.50% · 4.625%
HK$49,965
+HK$2,502/mo
Deposit HK$3.80M · loan HK$8.88M · min. income ≈ HK$94,926/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,042
−HK$3,263/mo
▼ 0.25% · 3.875%
HK$53,661
−HK$1,644/mo
Today · 4.125%
HK$55,305
baseline
▲ 0.50% · 4.625%
HK$58,670
+HK$3,365/mo
Deposit HK$1.27M · loan HK$11.41M · min. income ≈ HK$110,610/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$475,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,896
−HK$3,128/mo
▼ 0.25% · 3.875%
HK$59,449
−HK$1,575/mo
Today · 4.125%
HK$61,024
baseline
▲ 0.50% · 4.625%
HK$64,241
+HK$3,217/mo
Deposit HK$1.27M · loan HK$11.41M · min. income ≈ HK$122,048/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$475,475 · Scale 2, in force from 26 Feb 2026)