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$28,854
−HK$1,810/mo
▼ 0.25% · 3.875%
HK$29,752
−HK$912/mo
Today · 4.125%
HK$30,664
baseline
▲ 0.50% · 4.625%
HK$32,530
+HK$1,866/mo
Deposit HK$6.33M · loan HK$6.33M · min. income ≈ HK$61,328/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$474,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,100
−HK$1,735/mo
▼ 0.25% · 3.875%
HK$32,961
−HK$874/mo
Today · 4.125%
HK$33,835
baseline
▲ 0.50% · 4.625%
HK$35,618
+HK$1,783/mo
Deposit HK$6.33M · loan HK$6.33M · min. income ≈ HK$67,670/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$474,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,625
−HK$2,172/mo
▼ 0.25% · 3.875%
HK$35,702
−HK$1,095/mo
Today · 4.125%
HK$36,797
baseline
▲ 0.50% · 4.625%
HK$39,036
+HK$2,239/mo
Deposit HK$5.06M · loan HK$7.59M · min. income ≈ HK$73,594/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$474,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,520
−HK$2,081/mo
▼ 0.25% · 3.875%
HK$39,553
−HK$1,048/mo
Today · 4.125%
HK$40,601
baseline
▲ 0.50% · 4.625%
HK$42,742
+HK$2,141/mo
Deposit HK$5.06M · loan HK$7.59M · min. income ≈ HK$81,202/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$474,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,396
−HK$2,533/mo
▼ 0.25% · 3.875%
HK$41,653
−HK$1,276/mo
Today · 4.125%
HK$42,929
baseline
▲ 0.50% · 4.625%
HK$45,542
+HK$2,613/mo
Deposit HK$3.80M · loan HK$8.86M · min. income ≈ HK$85,858/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$474,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,940
−HK$2,428/mo
▼ 0.25% · 3.875%
HK$46,146
−HK$1,222/mo
Today · 4.125%
HK$47,368
baseline
▲ 0.50% · 4.625%
HK$49,865
+HK$2,497/mo
Deposit HK$3.80M · loan HK$8.86M · min. income ≈ HK$94,736/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$474,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,938
−HK$3,257/mo
▼ 0.25% · 3.875%
HK$53,554
−HK$1,641/mo
Today · 4.125%
HK$55,195
baseline
▲ 0.50% · 4.625%
HK$58,553
+HK$3,358/mo
Deposit HK$1.27M · loan HK$11.39M · min. income ≈ HK$110,390/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$474,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,780
−HK$3,122/mo
▼ 0.25% · 3.875%
HK$59,330
−HK$1,572/mo
Today · 4.125%
HK$60,902
baseline
▲ 0.50% · 4.625%
HK$64,112
+HK$3,210/mo
Deposit HK$1.27M · loan HK$11.39M · min. income ≈ HK$121,804/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$474,527 · Scale 2, in force from 26 Feb 2026)