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$28,755
−HK$1,804/mo
▼ 0.25% · 3.875%
HK$29,650
−HK$909/mo
Today · 4.125%
HK$30,559
baseline
▲ 0.50% · 4.625%
HK$32,418
+HK$1,859/mo
Deposit HK$6.31M · loan HK$6.31M · min. income ≈ HK$61,118/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$472,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,990
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$32,848
−HK$870/mo
Today · 4.125%
HK$33,718
baseline
▲ 0.50% · 4.625%
HK$35,496
+HK$1,778/mo
Deposit HK$6.31M · loan HK$6.31M · min. income ≈ HK$67,436/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$472,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,506
−HK$2,164/mo
▼ 0.25% · 3.875%
HK$35,580
−HK$1,090/mo
Today · 4.125%
HK$36,670
baseline
▲ 0.50% · 4.625%
HK$38,902
+HK$2,232/mo
Deposit HK$5.04M · loan HK$7.57M · min. income ≈ HK$73,340/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$472,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,388
−HK$2,074/mo
▼ 0.25% · 3.875%
HK$39,418
−HK$1,044/mo
Today · 4.125%
HK$40,462
baseline
▲ 0.50% · 4.625%
HK$42,595
+HK$2,133/mo
Deposit HK$5.04M · loan HK$7.57M · min. income ≈ HK$80,924/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$472,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,257
−HK$2,525/mo
▼ 0.25% · 3.875%
HK$41,510
−HK$1,272/mo
Today · 4.125%
HK$42,782
baseline
▲ 0.50% · 4.625%
HK$45,385
+HK$2,603/mo
Deposit HK$3.78M · loan HK$8.83M · min. income ≈ HK$85,564/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$472,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,786
−HK$2,420/mo
▼ 0.25% · 3.875%
HK$45,987
−HK$1,219/mo
Today · 4.125%
HK$47,206
baseline
▲ 0.50% · 4.625%
HK$49,694
+HK$2,488/mo
Deposit HK$3.78M · loan HK$8.83M · min. income ≈ HK$94,412/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$472,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,760
−HK$3,245/mo
▼ 0.25% · 3.875%
HK$53,370
−HK$1,635/mo
Today · 4.125%
HK$55,005
baseline
▲ 0.50% · 4.625%
HK$58,352
+HK$3,347/mo
Deposit HK$1.26M · loan HK$11.35M · min. income ≈ HK$110,010/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$472,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,582
−HK$3,111/mo
▼ 0.25% · 3.875%
HK$59,126
−HK$1,567/mo
Today · 4.125%
HK$60,693
baseline
▲ 0.50% · 4.625%
HK$63,892
+HK$3,199/mo
Deposit HK$1.26M · loan HK$11.35M · min. income ≈ HK$121,386/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$472,896 · Scale 2, in force from 26 Feb 2026)