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$28,734
−HK$1,802/mo
▼ 0.25% · 3.875%
HK$29,627
−HK$909/mo
Today · 4.125%
HK$30,536
baseline
▲ 0.50% · 4.625%
HK$32,394
+HK$1,858/mo
Deposit HK$6.30M · loan HK$6.30M · min. income ≈ HK$61,072/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$472,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,966
−HK$1,727/mo
▼ 0.25% · 3.875%
HK$32,823
−HK$870/mo
Today · 4.125%
HK$33,693
baseline
▲ 0.50% · 4.625%
HK$35,469
+HK$1,776/mo
Deposit HK$6.30M · loan HK$6.30M · min. income ≈ HK$67,386/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$472,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,480
−HK$2,163/mo
▼ 0.25% · 3.875%
HK$35,553
−HK$1,090/mo
Today · 4.125%
HK$36,643
baseline
▲ 0.50% · 4.625%
HK$38,872
+HK$2,229/mo
Deposit HK$5.04M · loan HK$7.56M · min. income ≈ HK$73,286/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$472,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,359
−HK$2,073/mo
▼ 0.25% · 3.875%
HK$39,388
−HK$1,044/mo
Today · 4.125%
HK$40,432
baseline
▲ 0.50% · 4.625%
HK$42,563
+HK$2,131/mo
Deposit HK$5.04M · loan HK$7.56M · min. income ≈ HK$80,864/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$472,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,227
−HK$2,523/mo
▼ 0.25% · 3.875%
HK$41,478
−HK$1,272/mo
Today · 4.125%
HK$42,750
baseline
▲ 0.50% · 4.625%
HK$45,351
+HK$2,601/mo
Deposit HK$3.78M · loan HK$8.82M · min. income ≈ HK$85,500/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$472,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,752
−HK$2,418/mo
▼ 0.25% · 3.875%
HK$45,953
−HK$1,217/mo
Today · 4.125%
HK$47,170
baseline
▲ 0.50% · 4.625%
HK$49,657
+HK$2,487/mo
Deposit HK$3.78M · loan HK$8.82M · min. income ≈ HK$94,340/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$472,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,721
−HK$3,243/mo
▼ 0.25% · 3.875%
HK$53,329
−HK$1,635/mo
Today · 4.125%
HK$54,964
baseline
▲ 0.50% · 4.625%
HK$58,308
+HK$3,344/mo
Deposit HK$1.26M · loan HK$11.34M · min. income ≈ HK$109,928/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$472,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,539
−HK$3,108/mo
▼ 0.25% · 3.875%
HK$59,082
−HK$1,565/mo
Today · 4.125%
HK$60,647
baseline
▲ 0.50% · 4.625%
HK$63,844
+HK$3,197/mo
Deposit HK$1.26M · loan HK$11.34M · min. income ≈ HK$121,294/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$472,541 · Scale 2, in force from 26 Feb 2026)