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$28,783
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$29,678
−HK$910/mo
Today · 4.125%
HK$30,588
baseline
▲ 0.50% · 4.625%
HK$32,449
+HK$1,861/mo
Deposit HK$6.31M · loan HK$6.31M · min. income ≈ HK$61,176/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$473,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,020
−HK$1,730/mo
▼ 0.25% · 3.875%
HK$32,879
−HK$871/mo
Today · 4.125%
HK$33,750
baseline
▲ 0.50% · 4.625%
HK$35,529
+HK$1,779/mo
Deposit HK$6.31M · loan HK$6.31M · min. income ≈ HK$67,500/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$473,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,539
−HK$2,166/mo
▼ 0.25% · 3.875%
HK$35,613
−HK$1,092/mo
Today · 4.125%
HK$36,705
baseline
▲ 0.50% · 4.625%
HK$38,938
+HK$2,233/mo
Deposit HK$5.05M · loan HK$7.57M · min. income ≈ HK$73,410/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$473,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,424
−HK$2,076/mo
▼ 0.25% · 3.875%
HK$39,455
−HK$1,045/mo
Today · 4.125%
HK$40,500
baseline
▲ 0.50% · 4.625%
HK$42,635
+HK$2,135/mo
Deposit HK$5.05M · loan HK$7.57M · min. income ≈ HK$81,000/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$473,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,296
−HK$2,527/mo
▼ 0.25% · 3.875%
HK$41,549
−HK$1,274/mo
Today · 4.125%
HK$42,823
baseline
▲ 0.50% · 4.625%
HK$45,428
+HK$2,605/mo
Deposit HK$3.79M · loan HK$8.84M · min. income ≈ HK$85,646/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$473,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,829
−HK$2,421/mo
▼ 0.25% · 3.875%
HK$46,031
−HK$1,219/mo
Today · 4.125%
HK$47,250
baseline
▲ 0.50% · 4.625%
HK$49,741
+HK$2,491/mo
Deposit HK$3.79M · loan HK$8.84M · min. income ≈ HK$94,500/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$473,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,809
−HK$3,249/mo
▼ 0.25% · 3.875%
HK$53,420
−HK$1,638/mo
Today · 4.125%
HK$55,058
baseline
▲ 0.50% · 4.625%
HK$58,408
+HK$3,350/mo
Deposit HK$1.26M · loan HK$11.36M · min. income ≈ HK$110,116/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$473,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,637
−HK$3,114/mo
▼ 0.25% · 3.875%
HK$59,182
−HK$1,569/mo
Today · 4.125%
HK$60,751
baseline
▲ 0.50% · 4.625%
HK$63,953
+HK$3,202/mo
Deposit HK$1.26M · loan HK$11.36M · min. income ≈ HK$121,502/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$473,345 · Scale 2, in force from 26 Feb 2026)