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$28,755
−HK$1,803/mo
▼ 0.25% · 3.875%
HK$29,649
−HK$909/mo
Today · 4.125%
HK$30,558
baseline
▲ 0.50% · 4.625%
HK$32,417
+HK$1,859/mo
Deposit HK$6.31M · loan HK$6.31M · min. income ≈ HK$61,116/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$472,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,989
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$32,847
−HK$871/mo
Today · 4.125%
HK$33,718
baseline
▲ 0.50% · 4.625%
HK$35,495
+HK$1,777/mo
Deposit HK$6.31M · loan HK$6.31M · min. income ≈ HK$67,436/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$472,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,506
−HK$2,163/mo
▼ 0.25% · 3.875%
HK$35,579
−HK$1,090/mo
Today · 4.125%
HK$36,669
baseline
▲ 0.50% · 4.625%
HK$38,901
+HK$2,232/mo
Deposit HK$5.04M · loan HK$7.57M · min. income ≈ HK$73,338/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$472,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,387
−HK$2,074/mo
▼ 0.25% · 3.875%
HK$39,417
−HK$1,044/mo
Today · 4.125%
HK$40,461
baseline
▲ 0.50% · 4.625%
HK$42,594
+HK$2,133/mo
Deposit HK$5.04M · loan HK$7.57M · min. income ≈ HK$80,922/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$472,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,256
−HK$2,525/mo
▼ 0.25% · 3.875%
HK$41,509
−HK$1,272/mo
Today · 4.125%
HK$42,781
baseline
▲ 0.50% · 4.625%
HK$45,384
+HK$2,603/mo
Deposit HK$3.78M · loan HK$8.83M · min. income ≈ HK$85,562/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$472,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,785
−HK$2,420/mo
▼ 0.25% · 3.875%
HK$45,986
−HK$1,219/mo
Today · 4.125%
HK$47,205
baseline
▲ 0.50% · 4.625%
HK$49,693
+HK$2,488/mo
Deposit HK$3.78M · loan HK$8.83M · min. income ≈ HK$94,410/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$472,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,758
−HK$3,246/mo
▼ 0.25% · 3.875%
HK$53,368
−HK$1,636/mo
Today · 4.125%
HK$55,004
baseline
▲ 0.50% · 4.625%
HK$58,351
+HK$3,347/mo
Deposit HK$1.26M · loan HK$11.35M · min. income ≈ HK$110,008/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$472,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,581
−HK$3,111/mo
▼ 0.25% · 3.875%
HK$59,125
−HK$1,567/mo
Today · 4.125%
HK$60,692
baseline
▲ 0.50% · 4.625%
HK$63,891
+HK$3,199/mo
Deposit HK$1.26M · loan HK$11.35M · min. income ≈ HK$121,384/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$472,885 · Scale 2, in force from 26 Feb 2026)