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$28,631
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$29,521
−HK$905/mo
Today · 4.125%
HK$30,426
baseline
▲ 0.50% · 4.625%
HK$32,277
+HK$1,851/mo
Deposit HK$6.28M · loan HK$6.28M · min. income ≈ HK$60,852/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$470,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,851
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$32,706
−HK$866/mo
Today · 4.125%
HK$33,572
baseline
▲ 0.50% · 4.625%
HK$35,342
+HK$1,770/mo
Deposit HK$6.28M · loan HK$6.28M · min. income ≈ HK$67,144/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$470,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,357
−HK$2,154/mo
▼ 0.25% · 3.875%
HK$35,425
−HK$1,086/mo
Today · 4.125%
HK$36,511
baseline
▲ 0.50% · 4.625%
HK$38,733
+HK$2,222/mo
Deposit HK$5.02M · loan HK$7.53M · min. income ≈ HK$73,022/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$470,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,222
−HK$2,065/mo
▼ 0.25% · 3.875%
HK$39,247
−HK$1,040/mo
Today · 4.125%
HK$40,287
baseline
▲ 0.50% · 4.625%
HK$42,410
+HK$2,123/mo
Deposit HK$5.02M · loan HK$7.53M · min. income ≈ HK$80,574/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$470,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,083
−HK$2,513/mo
▼ 0.25% · 3.875%
HK$41,330
−HK$1,266/mo
Today · 4.125%
HK$42,596
baseline
▲ 0.50% · 4.625%
HK$45,188
+HK$2,592/mo
Deposit HK$3.77M · loan HK$8.79M · min. income ≈ HK$85,192/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$470,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,592
−HK$2,409/mo
▼ 0.25% · 3.875%
HK$45,788
−HK$1,213/mo
Today · 4.125%
HK$47,001
baseline
▲ 0.50% · 4.625%
HK$49,478
+HK$2,477/mo
Deposit HK$3.77M · loan HK$8.79M · min. income ≈ HK$94,002/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$470,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,535
−HK$3,232/mo
▼ 0.25% · 3.875%
HK$53,138
−HK$1,629/mo
Today · 4.125%
HK$54,767
baseline
▲ 0.50% · 4.625%
HK$58,099
+HK$3,332/mo
Deposit HK$1.26M · loan HK$11.30M · min. income ≈ HK$109,534/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$470,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,332
−HK$3,098/mo
▼ 0.25% · 3.875%
HK$58,870
−HK$1,560/mo
Today · 4.125%
HK$60,430
baseline
▲ 0.50% · 4.625%
HK$63,615
+HK$3,185/mo
Deposit HK$1.26M · loan HK$11.30M · min. income ≈ HK$120,860/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$470,846 · Scale 2, in force from 26 Feb 2026)