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$28,898
−HK$1,812/mo
▼ 0.25% · 3.875%
HK$29,797
−HK$913/mo
Today · 4.125%
HK$30,710
baseline
▲ 0.50% · 4.625%
HK$32,579
+HK$1,869/mo
Deposit HK$6.34M · loan HK$6.34M · min. income ≈ HK$61,420/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$475,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,149
−HK$1,737/mo
▼ 0.25% · 3.875%
HK$33,011
−HK$875/mo
Today · 4.125%
HK$33,886
baseline
▲ 0.50% · 4.625%
HK$35,672
+HK$1,786/mo
Deposit HK$6.34M · loan HK$6.34M · min. income ≈ HK$67,772/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$475,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,678
−HK$2,174/mo
▼ 0.25% · 3.875%
HK$35,757
−HK$1,095/mo
Today · 4.125%
HK$36,852
baseline
▲ 0.50% · 4.625%
HK$39,095
+HK$2,243/mo
Deposit HK$5.07M · loan HK$7.60M · min. income ≈ HK$73,704/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$475,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,579
−HK$2,084/mo
▼ 0.25% · 3.875%
HK$39,613
−HK$1,050/mo
Today · 4.125%
HK$40,663
baseline
▲ 0.50% · 4.625%
HK$42,806
+HK$2,143/mo
Deposit HK$5.07M · loan HK$7.60M · min. income ≈ HK$81,326/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$475,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,458
−HK$2,537/mo
▼ 0.25% · 3.875%
HK$41,716
−HK$1,279/mo
Today · 4.125%
HK$42,995
baseline
▲ 0.50% · 4.625%
HK$45,611
+HK$2,616/mo
Deposit HK$3.80M · loan HK$8.87M · min. income ≈ HK$85,990/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,009
−HK$2,431/mo
▼ 0.25% · 3.875%
HK$46,216
−HK$1,224/mo
Today · 4.125%
HK$47,440
baseline
▲ 0.50% · 4.625%
HK$49,941
+HK$2,501/mo
Deposit HK$3.80M · loan HK$8.87M · min. income ≈ HK$94,880/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,017
−HK$3,262/mo
▼ 0.25% · 3.875%
HK$53,635
−HK$1,644/mo
Today · 4.125%
HK$55,279
baseline
▲ 0.50% · 4.625%
HK$58,642
+HK$3,363/mo
Deposit HK$1.27M · loan HK$11.41M · min. income ≈ HK$110,558/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$475,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,868
−HK$3,127/mo
▼ 0.25% · 3.875%
HK$59,420
−HK$1,575/mo
Today · 4.125%
HK$60,995
baseline
▲ 0.50% · 4.625%
HK$64,210
+HK$3,215/mo
Deposit HK$1.27M · loan HK$11.41M · min. income ≈ HK$121,990/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$475,247 · Scale 2, in force from 26 Feb 2026)