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$28,636
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$29,526
−HK$905/mo
Today · 4.125%
HK$30,431
baseline
▲ 0.50% · 4.625%
HK$32,283
+HK$1,852/mo
Deposit HK$6.28M · loan HK$6.28M · min. income ≈ HK$60,862/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$470,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,857
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$32,711
−HK$867/mo
Today · 4.125%
HK$33,578
baseline
▲ 0.50% · 4.625%
HK$35,348
+HK$1,770/mo
Deposit HK$6.28M · loan HK$6.28M · min. income ≈ HK$67,156/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$470,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,363
−HK$2,155/mo
▼ 0.25% · 3.875%
HK$35,432
−HK$1,086/mo
Today · 4.125%
HK$36,518
baseline
▲ 0.50% · 4.625%
HK$38,740
+HK$2,222/mo
Deposit HK$5.02M · loan HK$7.53M · min. income ≈ HK$73,036/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$470,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,228
−HK$2,066/mo
▼ 0.25% · 3.875%
HK$39,253
−HK$1,041/mo
Today · 4.125%
HK$40,294
baseline
▲ 0.50% · 4.625%
HK$42,417
+HK$2,123/mo
Deposit HK$5.02M · loan HK$7.53M · min. income ≈ HK$80,588/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$470,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,090
−HK$2,514/mo
▼ 0.25% · 3.875%
HK$41,337
−HK$1,267/mo
Today · 4.125%
HK$42,604
baseline
▲ 0.50% · 4.625%
HK$45,196
+HK$2,592/mo
Deposit HK$3.77M · loan HK$8.79M · min. income ≈ HK$85,208/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$470,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,600
−HK$2,409/mo
▼ 0.25% · 3.875%
HK$45,796
−HK$1,213/mo
Today · 4.125%
HK$47,009
baseline
▲ 0.50% · 4.625%
HK$49,487
+HK$2,478/mo
Deposit HK$3.77M · loan HK$8.79M · min. income ≈ HK$94,018/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$470,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,544
−HK$3,232/mo
▼ 0.25% · 3.875%
HK$53,147
−HK$1,629/mo
Today · 4.125%
HK$54,776
baseline
▲ 0.50% · 4.625%
HK$58,109
+HK$3,333/mo
Deposit HK$1.26M · loan HK$11.30M · min. income ≈ HK$109,552/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$470,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,342
−HK$3,098/mo
▼ 0.25% · 3.875%
HK$58,880
−HK$1,560/mo
Today · 4.125%
HK$60,440
baseline
▲ 0.50% · 4.625%
HK$63,626
+HK$3,186/mo
Deposit HK$1.26M · loan HK$11.30M · min. income ≈ HK$120,880/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$470,928 · Scale 2, in force from 26 Feb 2026)