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$28,928
−HK$1,814/mo
▼ 0.25% · 3.875%
HK$29,828
−HK$914/mo
Today · 4.125%
HK$30,742
baseline
▲ 0.50% · 4.625%
HK$32,613
+HK$1,871/mo
Deposit HK$6.34M · loan HK$6.34M · min. income ≈ HK$61,484/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$475,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,182
−HK$1,739/mo
▼ 0.25% · 3.875%
HK$33,045
−HK$876/mo
Today · 4.125%
HK$33,921
baseline
▲ 0.50% · 4.625%
HK$35,709
+HK$1,788/mo
Deposit HK$6.34M · loan HK$6.34M · min. income ≈ HK$67,842/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$475,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,714
−HK$2,177/mo
▼ 0.25% · 3.875%
HK$35,793
−HK$1,098/mo
Today · 4.125%
HK$36,891
baseline
▲ 0.50% · 4.625%
HK$39,135
+HK$2,244/mo
Deposit HK$5.07M · loan HK$7.61M · min. income ≈ HK$73,782/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$475,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,619
−HK$2,086/mo
▼ 0.25% · 3.875%
HK$39,654
−HK$1,051/mo
Today · 4.125%
HK$40,705
baseline
▲ 0.50% · 4.625%
HK$42,851
+HK$2,146/mo
Deposit HK$5.07M · loan HK$7.61M · min. income ≈ HK$81,410/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$475,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,499
−HK$2,540/mo
▼ 0.25% · 3.875%
HK$41,759
−HK$1,280/mo
Today · 4.125%
HK$43,039
baseline
▲ 0.50% · 4.625%
HK$45,658
+HK$2,619/mo
Deposit HK$3.81M · loan HK$8.88M · min. income ≈ HK$86,078/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,055
−HK$2,434/mo
▼ 0.25% · 3.875%
HK$46,263
−HK$1,226/mo
Today · 4.125%
HK$47,489
baseline
▲ 0.50% · 4.625%
HK$49,992
+HK$2,503/mo
Deposit HK$3.81M · loan HK$8.88M · min. income ≈ HK$94,978/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,070
−HK$3,266/mo
▼ 0.25% · 3.875%
HK$53,690
−HK$1,646/mo
Today · 4.125%
HK$55,336
baseline
▲ 0.50% · 4.625%
HK$58,703
+HK$3,367/mo
Deposit HK$1.27M · loan HK$11.42M · min. income ≈ HK$110,672/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$475,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,928
−HK$3,130/mo
▼ 0.25% · 3.875%
HK$59,481
−HK$1,577/mo
Today · 4.125%
HK$61,058
baseline
▲ 0.50% · 4.625%
HK$64,276
+HK$3,218/mo
Deposit HK$1.27M · loan HK$11.42M · min. income ≈ HK$122,116/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$475,737 · Scale 2, in force from 26 Feb 2026)