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$28,911
−HK$1,813/mo
▼ 0.25% · 3.875%
HK$29,811
−HK$913/mo
Today · 4.125%
HK$30,724
baseline
▲ 0.50% · 4.625%
HK$32,594
+HK$1,870/mo
Deposit HK$6.34M · loan HK$6.34M · min. income ≈ HK$61,448/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$475,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,164
−HK$1,737/mo
▼ 0.25% · 3.875%
HK$33,026
−HK$875/mo
Today · 4.125%
HK$33,901
baseline
▲ 0.50% · 4.625%
HK$35,688
+HK$1,787/mo
Deposit HK$6.34M · loan HK$6.34M · min. income ≈ HK$67,802/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$475,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,694
−HK$2,175/mo
▼ 0.25% · 3.875%
HK$35,773
−HK$1,096/mo
Today · 4.125%
HK$36,869
baseline
▲ 0.50% · 4.625%
HK$39,113
+HK$2,244/mo
Deposit HK$5.07M · loan HK$7.61M · min. income ≈ HK$73,738/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$475,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,596
−HK$2,086/mo
▼ 0.25% · 3.875%
HK$39,631
−HK$1,051/mo
Today · 4.125%
HK$40,682
baseline
▲ 0.50% · 4.625%
HK$42,826
+HK$2,144/mo
Deposit HK$5.07M · loan HK$7.61M · min. income ≈ HK$81,364/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$475,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,476
−HK$2,538/mo
▼ 0.25% · 3.875%
HK$41,735
−HK$1,279/mo
Today · 4.125%
HK$43,014
baseline
▲ 0.50% · 4.625%
HK$45,631
+HK$2,617/mo
Deposit HK$3.80M · loan HK$8.88M · min. income ≈ HK$86,028/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,029
−HK$2,433/mo
▼ 0.25% · 3.875%
HK$46,237
−HK$1,225/mo
Today · 4.125%
HK$47,462
baseline
▲ 0.50% · 4.625%
HK$49,964
+HK$2,502/mo
Deposit HK$3.80M · loan HK$8.88M · min. income ≈ HK$94,924/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,040
−HK$3,264/mo
▼ 0.25% · 3.875%
HK$53,659
−HK$1,645/mo
Today · 4.125%
HK$55,304
baseline
▲ 0.50% · 4.625%
HK$58,669
+HK$3,365/mo
Deposit HK$1.27M · loan HK$11.41M · min. income ≈ HK$110,608/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$475,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,894
−HK$3,128/mo
▼ 0.25% · 3.875%
HK$59,447
−HK$1,575/mo
Today · 4.125%
HK$61,022
baseline
▲ 0.50% · 4.625%
HK$64,239
+HK$3,217/mo
Deposit HK$1.27M · loan HK$11.41M · min. income ≈ HK$122,044/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$475,463 · Scale 2, in force from 26 Feb 2026)