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$28,838
−HK$1,808/mo
▼ 0.25% · 3.875%
HK$29,735
−HK$911/mo
Today · 4.125%
HK$30,646
baseline
▲ 0.50% · 4.625%
HK$32,511
+HK$1,865/mo
Deposit HK$6.32M · loan HK$6.32M · min. income ≈ HK$61,292/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$474,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,082
−HK$1,733/mo
▼ 0.25% · 3.875%
HK$32,942
−HK$873/mo
Today · 4.125%
HK$33,815
baseline
▲ 0.50% · 4.625%
HK$35,598
+HK$1,783/mo
Deposit HK$6.32M · loan HK$6.32M · min. income ≈ HK$67,630/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$474,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,606
−HK$2,170/mo
▼ 0.25% · 3.875%
HK$35,682
−HK$1,094/mo
Today · 4.125%
HK$36,776
baseline
▲ 0.50% · 4.625%
HK$39,013
+HK$2,237/mo
Deposit HK$5.06M · loan HK$7.59M · min. income ≈ HK$73,552/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$474,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,498
−HK$2,080/mo
▼ 0.25% · 3.875%
HK$39,531
−HK$1,047/mo
Today · 4.125%
HK$40,578
baseline
▲ 0.50% · 4.625%
HK$42,717
+HK$2,139/mo
Deposit HK$5.06M · loan HK$7.59M · min. income ≈ HK$81,156/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$474,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,373
−HK$2,532/mo
▼ 0.25% · 3.875%
HK$41,629
−HK$1,276/mo
Today · 4.125%
HK$42,905
baseline
▲ 0.50% · 4.625%
HK$45,516
+HK$2,611/mo
Deposit HK$3.79M · loan HK$8.85M · min. income ≈ HK$85,810/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$474,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,915
−HK$2,427/mo
▼ 0.25% · 3.875%
HK$46,119
−HK$1,223/mo
Today · 4.125%
HK$47,342
baseline
▲ 0.50% · 4.625%
HK$49,837
+HK$2,495/mo
Deposit HK$3.79M · loan HK$8.85M · min. income ≈ HK$94,684/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$474,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,909
−HK$3,255/mo
▼ 0.25% · 3.875%
HK$53,523
−HK$1,641/mo
Today · 4.125%
HK$55,164
baseline
▲ 0.50% · 4.625%
HK$58,520
+HK$3,356/mo
Deposit HK$1.26M · loan HK$11.38M · min. income ≈ HK$110,328/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$474,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,748
−HK$3,120/mo
▼ 0.25% · 3.875%
HK$59,296
−HK$1,572/mo
Today · 4.125%
HK$60,868
baseline
▲ 0.50% · 4.625%
HK$64,076
+HK$3,208/mo
Deposit HK$1.26M · loan HK$11.38M · min. income ≈ HK$121,736/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$474,258 · Scale 2, in force from 26 Feb 2026)