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$28,914
−HK$1,813/mo
▼ 0.25% · 3.875%
HK$29,813
−HK$914/mo
Today · 4.125%
HK$30,727
baseline
▲ 0.50% · 4.625%
HK$32,597
+HK$1,870/mo
Deposit HK$6.34M · loan HK$6.34M · min. income ≈ HK$61,454/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$475,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,166
−HK$1,738/mo
▼ 0.25% · 3.875%
HK$33,029
−HK$875/mo
Today · 4.125%
HK$33,904
baseline
▲ 0.50% · 4.625%
HK$35,691
+HK$1,787/mo
Deposit HK$6.34M · loan HK$6.34M · min. income ≈ HK$67,808/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$475,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,697
−HK$2,175/mo
▼ 0.25% · 3.875%
HK$35,776
−HK$1,096/mo
Today · 4.125%
HK$36,872
baseline
▲ 0.50% · 4.625%
HK$39,116
+HK$2,244/mo
Deposit HK$5.07M · loan HK$7.61M · min. income ≈ HK$73,744/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$475,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,600
−HK$2,085/mo
▼ 0.25% · 3.875%
HK$39,635
−HK$1,050/mo
Today · 4.125%
HK$40,685
baseline
▲ 0.50% · 4.625%
HK$42,830
+HK$2,145/mo
Deposit HK$5.07M · loan HK$7.61M · min. income ≈ HK$81,370/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$475,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,479
−HK$2,539/mo
▼ 0.25% · 3.875%
HK$41,738
−HK$1,280/mo
Today · 4.125%
HK$43,018
baseline
▲ 0.50% · 4.625%
HK$45,635
+HK$2,617/mo
Deposit HK$3.80M · loan HK$8.88M · min. income ≈ HK$86,036/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,033
−HK$2,433/mo
▼ 0.25% · 3.875%
HK$46,241
−HK$1,225/mo
Today · 4.125%
HK$47,466
baseline
▲ 0.50% · 4.625%
HK$49,968
+HK$2,502/mo
Deposit HK$3.80M · loan HK$8.88M · min. income ≈ HK$94,932/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,045
−HK$3,264/mo
▼ 0.25% · 3.875%
HK$53,664
−HK$1,645/mo
Today · 4.125%
HK$55,309
baseline
▲ 0.50% · 4.625%
HK$58,674
+HK$3,365/mo
Deposit HK$1.27M · loan HK$11.41M · min. income ≈ HK$110,618/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$475,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,899
−HK$3,129/mo
▼ 0.25% · 3.875%
HK$59,452
−HK$1,576/mo
Today · 4.125%
HK$61,028
baseline
▲ 0.50% · 4.625%
HK$64,244
+HK$3,216/mo
Deposit HK$1.27M · loan HK$11.41M · min. income ≈ HK$122,056/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$475,503 · Scale 2, in force from 26 Feb 2026)