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$28,616
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$29,507
−HK$904/mo
Today · 4.125%
HK$30,411
baseline
▲ 0.50% · 4.625%
HK$32,261
+HK$1,850/mo
Deposit HK$6.27M · loan HK$6.27M · min. income ≈ HK$60,822/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$470,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,835
−HK$1,720/mo
▼ 0.25% · 3.875%
HK$32,689
−HK$866/mo
Today · 4.125%
HK$33,555
baseline
▲ 0.50% · 4.625%
HK$35,324
+HK$1,769/mo
Deposit HK$6.27M · loan HK$6.27M · min. income ≈ HK$67,110/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$470,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,340
−HK$2,153/mo
▼ 0.25% · 3.875%
HK$35,408
−HK$1,085/mo
Today · 4.125%
HK$36,493
baseline
▲ 0.50% · 4.625%
HK$38,714
+HK$2,221/mo
Deposit HK$5.02M · loan HK$7.53M · min. income ≈ HK$72,986/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$470,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,203
−HK$2,063/mo
▼ 0.25% · 3.875%
HK$39,227
−HK$1,039/mo
Today · 4.125%
HK$40,266
baseline
▲ 0.50% · 4.625%
HK$42,389
+HK$2,123/mo
Deposit HK$5.02M · loan HK$7.53M · min. income ≈ HK$80,532/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$470,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,063
−HK$2,512/mo
▼ 0.25% · 3.875%
HK$41,309
−HK$1,266/mo
Today · 4.125%
HK$42,575
baseline
▲ 0.50% · 4.625%
HK$45,166
+HK$2,591/mo
Deposit HK$3.76M · loan HK$8.78M · min. income ≈ HK$85,150/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$470,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,570
−HK$2,408/mo
▼ 0.25% · 3.875%
HK$45,765
−HK$1,213/mo
Today · 4.125%
HK$46,978
baseline
▲ 0.50% · 4.625%
HK$49,454
+HK$2,476/mo
Deposit HK$3.76M · loan HK$8.78M · min. income ≈ HK$93,956/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$470,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,509
−HK$3,231/mo
▼ 0.25% · 3.875%
HK$53,112
−HK$1,628/mo
Today · 4.125%
HK$54,740
baseline
▲ 0.50% · 4.625%
HK$58,070
+HK$3,330/mo
Deposit HK$1.25M · loan HK$11.29M · min. income ≈ HK$109,480/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$470,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,304
−HK$3,096/mo
▼ 0.25% · 3.875%
HK$58,841
−HK$1,559/mo
Today · 4.125%
HK$60,400
baseline
▲ 0.50% · 4.625%
HK$63,583
+HK$3,183/mo
Deposit HK$1.25M · loan HK$11.29M · min. income ≈ HK$120,800/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$470,612 · Scale 2, in force from 26 Feb 2026)