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$28,619
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$29,509
−HK$904/mo
Today · 4.125%
HK$30,413
baseline
▲ 0.50% · 4.625%
HK$32,264
+HK$1,851/mo
Deposit HK$6.28M · loan HK$6.28M · min. income ≈ HK$60,826/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$470,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,838
−HK$1,720/mo
▼ 0.25% · 3.875%
HK$32,692
−HK$866/mo
Today · 4.125%
HK$33,558
baseline
▲ 0.50% · 4.625%
HK$35,327
+HK$1,769/mo
Deposit HK$6.28M · loan HK$6.28M · min. income ≈ HK$67,116/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$470,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,342
−HK$2,154/mo
▼ 0.25% · 3.875%
HK$35,411
−HK$1,085/mo
Today · 4.125%
HK$36,496
baseline
▲ 0.50% · 4.625%
HK$38,717
+HK$2,221/mo
Deposit HK$5.02M · loan HK$7.53M · min. income ≈ HK$72,992/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$470,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,206
−HK$2,064/mo
▼ 0.25% · 3.875%
HK$39,230
−HK$1,040/mo
Today · 4.125%
HK$40,270
baseline
▲ 0.50% · 4.625%
HK$42,392
+HK$2,122/mo
Deposit HK$5.02M · loan HK$7.53M · min. income ≈ HK$80,540/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$470,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,066
−HK$2,513/mo
▼ 0.25% · 3.875%
HK$41,312
−HK$1,267/mo
Today · 4.125%
HK$42,579
baseline
▲ 0.50% · 4.625%
HK$45,169
+HK$2,590/mo
Deposit HK$3.77M · loan HK$8.79M · min. income ≈ HK$85,158/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$470,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,573
−HK$2,408/mo
▼ 0.25% · 3.875%
HK$45,769
−HK$1,212/mo
Today · 4.125%
HK$46,981
baseline
▲ 0.50% · 4.625%
HK$49,458
+HK$2,477/mo
Deposit HK$3.77M · loan HK$8.79M · min. income ≈ HK$93,962/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$470,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,514
−HK$3,230/mo
▼ 0.25% · 3.875%
HK$53,116
−HK$1,628/mo
Today · 4.125%
HK$54,744
baseline
▲ 0.50% · 4.625%
HK$58,075
+HK$3,331/mo
Deposit HK$1.26M · loan HK$11.30M · min. income ≈ HK$109,488/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$470,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,308
−HK$3,097/mo
▼ 0.25% · 3.875%
HK$58,845
−HK$1,560/mo
Today · 4.125%
HK$60,405
baseline
▲ 0.50% · 4.625%
HK$63,589
+HK$3,184/mo
Deposit HK$1.26M · loan HK$11.30M · min. income ≈ HK$120,810/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$470,650 · Scale 2, in force from 26 Feb 2026)