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$28,766
−HK$1,804/mo
▼ 0.25% · 3.875%
HK$29,661
−HK$909/mo
Today · 4.125%
HK$30,570
baseline
▲ 0.50% · 4.625%
HK$32,430
+HK$1,860/mo
Deposit HK$6.31M · loan HK$6.31M · min. income ≈ HK$61,140/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$473,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,002
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$32,860
−HK$871/mo
Today · 4.125%
HK$33,731
baseline
▲ 0.50% · 4.625%
HK$35,509
+HK$1,778/mo
Deposit HK$6.31M · loan HK$6.31M · min. income ≈ HK$67,462/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$473,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,519
−HK$2,165/mo
▼ 0.25% · 3.875%
HK$35,593
−HK$1,091/mo
Today · 4.125%
HK$36,684
baseline
▲ 0.50% · 4.625%
HK$38,916
+HK$2,232/mo
Deposit HK$5.05M · loan HK$7.57M · min. income ≈ HK$73,368/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$473,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,402
−HK$2,075/mo
▼ 0.25% · 3.875%
HK$39,432
−HK$1,045/mo
Today · 4.125%
HK$40,477
baseline
▲ 0.50% · 4.625%
HK$42,610
+HK$2,133/mo
Deposit HK$5.05M · loan HK$7.57M · min. income ≈ HK$80,954/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$473,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,272
−HK$2,526/mo
▼ 0.25% · 3.875%
HK$41,525
−HK$1,273/mo
Today · 4.125%
HK$42,798
baseline
▲ 0.50% · 4.625%
HK$45,402
+HK$2,604/mo
Deposit HK$3.78M · loan HK$8.83M · min. income ≈ HK$85,596/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$473,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,802
−HK$2,421/mo
▼ 0.25% · 3.875%
HK$46,004
−HK$1,219/mo
Today · 4.125%
HK$47,223
baseline
▲ 0.50% · 4.625%
HK$49,712
+HK$2,489/mo
Deposit HK$3.78M · loan HK$8.83M · min. income ≈ HK$94,446/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$473,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,779
−HK$3,247/mo
▼ 0.25% · 3.875%
HK$53,389
−HK$1,637/mo
Today · 4.125%
HK$55,026
baseline
▲ 0.50% · 4.625%
HK$58,374
+HK$3,348/mo
Deposit HK$1.26M · loan HK$11.35M · min. income ≈ HK$110,052/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$473,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,603
−HK$3,112/mo
▼ 0.25% · 3.875%
HK$59,148
−HK$1,567/mo
Today · 4.125%
HK$60,715
baseline
▲ 0.50% · 4.625%
HK$63,916
+HK$3,201/mo
Deposit HK$1.26M · loan HK$11.35M · min. income ≈ HK$121,430/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$473,071 · Scale 2, in force from 26 Feb 2026)