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$28,932
−HK$1,815/mo
▼ 0.25% · 3.875%
HK$29,832
−HK$915/mo
Today · 4.125%
HK$30,747
baseline
▲ 0.50% · 4.625%
HK$32,618
+HK$1,871/mo
Deposit HK$6.34M · loan HK$6.34M · min. income ≈ HK$61,494/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$475,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,187
−HK$1,739/mo
▼ 0.25% · 3.875%
HK$33,050
−HK$876/mo
Today · 4.125%
HK$33,926
baseline
▲ 0.50% · 4.625%
HK$35,714
+HK$1,788/mo
Deposit HK$6.34M · loan HK$6.34M · min. income ≈ HK$67,852/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$475,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,719
−HK$2,177/mo
▼ 0.25% · 3.875%
HK$35,799
−HK$1,097/mo
Today · 4.125%
HK$36,896
baseline
▲ 0.50% · 4.625%
HK$39,141
+HK$2,245/mo
Deposit HK$5.08M · loan HK$7.61M · min. income ≈ HK$73,792/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$475,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,624
−HK$2,087/mo
▼ 0.25% · 3.875%
HK$39,660
−HK$1,051/mo
Today · 4.125%
HK$40,711
baseline
▲ 0.50% · 4.625%
HK$42,857
+HK$2,146/mo
Deposit HK$5.08M · loan HK$7.61M · min. income ≈ HK$81,422/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$475,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,505
−HK$2,541/mo
▼ 0.25% · 3.875%
HK$41,765
−HK$1,281/mo
Today · 4.125%
HK$43,046
baseline
▲ 0.50% · 4.625%
HK$45,665
+HK$2,619/mo
Deposit HK$3.81M · loan HK$8.88M · min. income ≈ HK$86,092/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,062
−HK$2,434/mo
▼ 0.25% · 3.875%
HK$46,270
−HK$1,226/mo
Today · 4.125%
HK$47,496
baseline
▲ 0.50% · 4.625%
HK$50,000
+HK$2,504/mo
Deposit HK$3.81M · loan HK$8.88M · min. income ≈ HK$94,992/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,078
−HK$3,266/mo
▼ 0.25% · 3.875%
HK$53,698
−HK$1,646/mo
Today · 4.125%
HK$55,344
baseline
▲ 0.50% · 4.625%
HK$58,712
+HK$3,368/mo
Deposit HK$1.27M · loan HK$11.42M · min. income ≈ HK$110,688/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$475,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,937
−HK$3,130/mo
▼ 0.25% · 3.875%
HK$59,491
−HK$1,576/mo
Today · 4.125%
HK$61,067
baseline
▲ 0.50% · 4.625%
HK$64,286
+HK$3,219/mo
Deposit HK$1.27M · loan HK$11.42M · min. income ≈ HK$122,134/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$475,810 · Scale 2, in force from 26 Feb 2026)