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$28,629
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$29,520
−HK$904/mo
Today · 4.125%
HK$30,424
baseline
▲ 0.50% · 4.625%
HK$32,276
+HK$1,852/mo
Deposit HK$6.28M · loan HK$6.28M · min. income ≈ HK$60,848/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$470,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,850
−HK$1,720/mo
▼ 0.25% · 3.875%
HK$32,704
−HK$866/mo
Today · 4.125%
HK$33,570
baseline
▲ 0.50% · 4.625%
HK$35,340
+HK$1,770/mo
Deposit HK$6.28M · loan HK$6.28M · min. income ≈ HK$67,140/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$470,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,355
−HK$2,154/mo
▼ 0.25% · 3.875%
HK$35,424
−HK$1,085/mo
Today · 4.125%
HK$36,509
baseline
▲ 0.50% · 4.625%
HK$38,731
+HK$2,222/mo
Deposit HK$5.02M · loan HK$7.53M · min. income ≈ HK$73,018/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$470,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,219
−HK$2,065/mo
▼ 0.25% · 3.875%
HK$39,245
−HK$1,039/mo
Today · 4.125%
HK$40,284
baseline
▲ 0.50% · 4.625%
HK$42,408
+HK$2,124/mo
Deposit HK$5.02M · loan HK$7.53M · min. income ≈ HK$80,568/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$470,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,081
−HK$2,513/mo
▼ 0.25% · 3.875%
HK$41,327
−HK$1,267/mo
Today · 4.125%
HK$42,594
baseline
▲ 0.50% · 4.625%
HK$45,186
+HK$2,592/mo
Deposit HK$3.77M · loan HK$8.79M · min. income ≈ HK$85,188/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$470,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,589
−HK$2,409/mo
▼ 0.25% · 3.875%
HK$45,785
−HK$1,213/mo
Today · 4.125%
HK$46,998
baseline
▲ 0.50% · 4.625%
HK$49,476
+HK$2,478/mo
Deposit HK$3.77M · loan HK$8.79M · min. income ≈ HK$93,996/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$470,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,532
−HK$3,232/mo
▼ 0.25% · 3.875%
HK$53,135
−HK$1,629/mo
Today · 4.125%
HK$54,764
baseline
▲ 0.50% · 4.625%
HK$58,096
+HK$3,332/mo
Deposit HK$1.26M · loan HK$11.30M · min. income ≈ HK$109,528/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$470,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,329
−HK$3,098/mo
▼ 0.25% · 3.875%
HK$58,867
−HK$1,560/mo
Today · 4.125%
HK$60,427
baseline
▲ 0.50% · 4.625%
HK$63,612
+HK$3,185/mo
Deposit HK$1.26M · loan HK$11.30M · min. income ≈ HK$120,854/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$470,821 · Scale 2, in force from 26 Feb 2026)