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$28,643
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$29,534
−HK$905/mo
Today · 4.125%
HK$30,439
baseline
▲ 0.50% · 4.625%
HK$32,292
+HK$1,853/mo
Deposit HK$6.28M · loan HK$6.28M · min. income ≈ HK$60,878/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$471,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,865
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$32,720
−HK$867/mo
Today · 4.125%
HK$33,587
baseline
▲ 0.50% · 4.625%
HK$35,357
+HK$1,770/mo
Deposit HK$6.28M · loan HK$6.28M · min. income ≈ HK$67,174/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$471,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,372
−HK$2,155/mo
▼ 0.25% · 3.875%
HK$35,441
−HK$1,086/mo
Today · 4.125%
HK$36,527
baseline
▲ 0.50% · 4.625%
HK$38,750
+HK$2,223/mo
Deposit HK$5.02M · loan HK$7.54M · min. income ≈ HK$73,054/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$471,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,238
−HK$2,066/mo
▼ 0.25% · 3.875%
HK$39,264
−HK$1,040/mo
Today · 4.125%
HK$40,304
baseline
▲ 0.50% · 4.625%
HK$42,429
+HK$2,125/mo
Deposit HK$5.02M · loan HK$7.54M · min. income ≈ HK$80,608/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$471,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,100
−HK$2,515/mo
▼ 0.25% · 3.875%
HK$41,348
−HK$1,267/mo
Today · 4.125%
HK$42,615
baseline
▲ 0.50% · 4.625%
HK$45,208
+HK$2,593/mo
Deposit HK$3.77M · loan HK$8.79M · min. income ≈ HK$85,230/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$471,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,611
−HK$2,411/mo
▼ 0.25% · 3.875%
HK$45,808
−HK$1,214/mo
Today · 4.125%
HK$47,022
baseline
▲ 0.50% · 4.625%
HK$49,500
+HK$2,478/mo
Deposit HK$3.77M · loan HK$8.79M · min. income ≈ HK$94,044/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$471,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,558
−HK$3,233/mo
▼ 0.25% · 3.875%
HK$53,161
−HK$1,630/mo
Today · 4.125%
HK$54,791
baseline
▲ 0.50% · 4.625%
HK$58,125
+HK$3,334/mo
Deposit HK$1.26M · loan HK$11.31M · min. income ≈ HK$109,582/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$471,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,357
−HK$3,099/mo
▼ 0.25% · 3.875%
HK$58,896
−HK$1,560/mo
Today · 4.125%
HK$60,456
baseline
▲ 0.50% · 4.625%
HK$63,643
+HK$3,187/mo
Deposit HK$1.26M · loan HK$11.31M · min. income ≈ HK$120,912/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$471,052 · Scale 2, in force from 26 Feb 2026)