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$28,901
−HK$1,813/mo
▼ 0.25% · 3.875%
HK$29,800
−HK$914/mo
Today · 4.125%
HK$30,714
baseline
▲ 0.50% · 4.625%
HK$32,583
+HK$1,869/mo
Deposit HK$6.34M · loan HK$6.34M · min. income ≈ HK$61,428/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$475,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,153
−HK$1,737/mo
▼ 0.25% · 3.875%
HK$33,015
−HK$875/mo
Today · 4.125%
HK$33,890
baseline
▲ 0.50% · 4.625%
HK$35,676
+HK$1,786/mo
Deposit HK$6.34M · loan HK$6.34M · min. income ≈ HK$67,780/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$475,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,682
−HK$2,175/mo
▼ 0.25% · 3.875%
HK$35,760
−HK$1,097/mo
Today · 4.125%
HK$36,857
baseline
▲ 0.50% · 4.625%
HK$39,099
+HK$2,242/mo
Deposit HK$5.07M · loan HK$7.60M · min. income ≈ HK$73,714/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$475,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,583
−HK$2,085/mo
▼ 0.25% · 3.875%
HK$39,618
−HK$1,050/mo
Today · 4.125%
HK$40,668
baseline
▲ 0.50% · 4.625%
HK$42,811
+HK$2,143/mo
Deposit HK$5.07M · loan HK$7.60M · min. income ≈ HK$81,336/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$475,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,462
−HK$2,537/mo
▼ 0.25% · 3.875%
HK$41,721
−HK$1,278/mo
Today · 4.125%
HK$42,999
baseline
▲ 0.50% · 4.625%
HK$45,616
+HK$2,617/mo
Deposit HK$3.80M · loan HK$8.87M · min. income ≈ HK$85,998/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,014
−HK$2,431/mo
▼ 0.25% · 3.875%
HK$46,221
−HK$1,224/mo
Today · 4.125%
HK$47,445
baseline
▲ 0.50% · 4.625%
HK$49,946
+HK$2,501/mo
Deposit HK$3.80M · loan HK$8.87M · min. income ≈ HK$94,890/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,023
−HK$3,262/mo
▼ 0.25% · 3.875%
HK$53,641
−HK$1,644/mo
Today · 4.125%
HK$55,285
baseline
▲ 0.50% · 4.625%
HK$58,649
+HK$3,364/mo
Deposit HK$1.27M · loan HK$11.41M · min. income ≈ HK$110,570/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$475,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,875
−HK$3,126/mo
▼ 0.25% · 3.875%
HK$59,427
−HK$1,574/mo
Today · 4.125%
HK$61,001
baseline
▲ 0.50% · 4.625%
HK$64,217
+HK$3,216/mo
Deposit HK$1.27M · loan HK$11.41M · min. income ≈ HK$122,002/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$475,299 · Scale 2, in force from 26 Feb 2026)