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$28,630
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$29,520
−HK$905/mo
Today · 4.125%
HK$30,425
baseline
▲ 0.50% · 4.625%
HK$32,277
+HK$1,852/mo
Deposit HK$6.28M · loan HK$6.28M · min. income ≈ HK$60,850/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$470,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,850
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$32,705
−HK$866/mo
Today · 4.125%
HK$33,571
baseline
▲ 0.50% · 4.625%
HK$35,341
+HK$1,770/mo
Deposit HK$6.28M · loan HK$6.28M · min. income ≈ HK$67,142/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$470,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,356
−HK$2,154/mo
▼ 0.25% · 3.875%
HK$35,425
−HK$1,085/mo
Today · 4.125%
HK$36,510
baseline
▲ 0.50% · 4.625%
HK$38,732
+HK$2,222/mo
Deposit HK$5.02M · loan HK$7.53M · min. income ≈ HK$73,020/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$470,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,221
−HK$2,065/mo
▼ 0.25% · 3.875%
HK$39,246
−HK$1,040/mo
Today · 4.125%
HK$40,286
baseline
▲ 0.50% · 4.625%
HK$42,409
+HK$2,123/mo
Deposit HK$5.02M · loan HK$7.53M · min. income ≈ HK$80,572/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$470,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,082
−HK$2,513/mo
▼ 0.25% · 3.875%
HK$41,329
−HK$1,266/mo
Today · 4.125%
HK$42,595
baseline
▲ 0.50% · 4.625%
HK$45,187
+HK$2,592/mo
Deposit HK$3.77M · loan HK$8.79M · min. income ≈ HK$85,190/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$470,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,591
−HK$2,409/mo
▼ 0.25% · 3.875%
HK$45,787
−HK$1,213/mo
Today · 4.125%
HK$47,000
baseline
▲ 0.50% · 4.625%
HK$49,477
+HK$2,477/mo
Deposit HK$3.77M · loan HK$8.79M · min. income ≈ HK$94,000/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$470,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,534
−HK$3,231/mo
▼ 0.25% · 3.875%
HK$53,137
−HK$1,628/mo
Today · 4.125%
HK$54,765
baseline
▲ 0.50% · 4.625%
HK$58,098
+HK$3,333/mo
Deposit HK$1.26M · loan HK$11.30M · min. income ≈ HK$109,530/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$470,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,331
−HK$3,097/mo
▼ 0.25% · 3.875%
HK$58,868
−HK$1,560/mo
Today · 4.125%
HK$60,428
baseline
▲ 0.50% · 4.625%
HK$63,614
+HK$3,186/mo
Deposit HK$1.26M · loan HK$11.30M · min. income ≈ HK$120,856/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$470,834 · Scale 2, in force from 26 Feb 2026)