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$28,749
−HK$1,803/mo
▼ 0.25% · 3.875%
HK$29,643
−HK$909/mo
Today · 4.125%
HK$30,552
baseline
▲ 0.50% · 4.625%
HK$32,411
+HK$1,859/mo
Deposit HK$6.30M · loan HK$6.30M · min. income ≈ HK$61,104/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$472,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,983
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$32,841
−HK$870/mo
Today · 4.125%
HK$33,711
baseline
▲ 0.50% · 4.625%
HK$35,488
+HK$1,777/mo
Deposit HK$6.30M · loan HK$6.30M · min. income ≈ HK$67,422/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$472,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,499
−HK$2,163/mo
▼ 0.25% · 3.875%
HK$35,572
−HK$1,090/mo
Today · 4.125%
HK$36,662
baseline
▲ 0.50% · 4.625%
HK$38,893
+HK$2,231/mo
Deposit HK$5.04M · loan HK$7.56M · min. income ≈ HK$73,324/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$472,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,380
−HK$2,073/mo
▼ 0.25% · 3.875%
HK$39,409
−HK$1,044/mo
Today · 4.125%
HK$40,453
baseline
▲ 0.50% · 4.625%
HK$42,586
+HK$2,133/mo
Deposit HK$5.04M · loan HK$7.56M · min. income ≈ HK$80,906/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$472,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,249
−HK$2,524/mo
▼ 0.25% · 3.875%
HK$41,501
−HK$1,272/mo
Today · 4.125%
HK$42,773
baseline
▲ 0.50% · 4.625%
HK$45,376
+HK$2,603/mo
Deposit HK$3.78M · loan HK$8.83M · min. income ≈ HK$85,546/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$472,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,777
−HK$2,419/mo
▼ 0.25% · 3.875%
HK$45,977
−HK$1,219/mo
Today · 4.125%
HK$47,196
baseline
▲ 0.50% · 4.625%
HK$49,683
+HK$2,487/mo
Deposit HK$3.78M · loan HK$8.83M · min. income ≈ HK$94,392/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$472,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,749
−HK$3,245/mo
▼ 0.25% · 3.875%
HK$53,358
−HK$1,636/mo
Today · 4.125%
HK$54,994
baseline
▲ 0.50% · 4.625%
HK$58,340
+HK$3,346/mo
Deposit HK$1.26M · loan HK$11.35M · min. income ≈ HK$109,988/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$472,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,570
−HK$3,110/mo
▼ 0.25% · 3.875%
HK$59,114
−HK$1,566/mo
Today · 4.125%
HK$60,680
baseline
▲ 0.50% · 4.625%
HK$63,879
+HK$3,199/mo
Deposit HK$1.26M · loan HK$11.35M · min. income ≈ HK$121,360/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$472,796 · Scale 2, in force from 26 Feb 2026)