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$28,624
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$29,514
−HK$905/mo
Today · 4.125%
HK$30,419
baseline
▲ 0.50% · 4.625%
HK$32,270
+HK$1,851/mo
Deposit HK$6.28M · loan HK$6.28M · min. income ≈ HK$60,838/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$470,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,844
−HK$1,720/mo
▼ 0.25% · 3.875%
HK$32,698
−HK$866/mo
Today · 4.125%
HK$33,564
baseline
▲ 0.50% · 4.625%
HK$35,334
+HK$1,770/mo
Deposit HK$6.28M · loan HK$6.28M · min. income ≈ HK$67,128/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$470,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,349
−HK$2,154/mo
▼ 0.25% · 3.875%
HK$35,417
−HK$1,086/mo
Today · 4.125%
HK$36,503
baseline
▲ 0.50% · 4.625%
HK$38,724
+HK$2,221/mo
Deposit HK$5.02M · loan HK$7.53M · min. income ≈ HK$73,006/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$470,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,213
−HK$2,064/mo
▼ 0.25% · 3.875%
HK$39,238
−HK$1,039/mo
Today · 4.125%
HK$40,277
baseline
▲ 0.50% · 4.625%
HK$42,400
+HK$2,123/mo
Deposit HK$5.02M · loan HK$7.53M · min. income ≈ HK$80,554/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$470,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,074
−HK$2,513/mo
▼ 0.25% · 3.875%
HK$41,320
−HK$1,267/mo
Today · 4.125%
HK$42,587
baseline
▲ 0.50% · 4.625%
HK$45,178
+HK$2,591/mo
Deposit HK$3.77M · loan HK$8.79M · min. income ≈ HK$85,174/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$470,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,582
−HK$2,408/mo
▼ 0.25% · 3.875%
HK$45,777
−HK$1,213/mo
Today · 4.125%
HK$46,990
baseline
▲ 0.50% · 4.625%
HK$49,467
+HK$2,477/mo
Deposit HK$3.77M · loan HK$8.79M · min. income ≈ HK$93,980/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$470,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,523
−HK$3,231/mo
▼ 0.25% · 3.875%
HK$53,126
−HK$1,628/mo
Today · 4.125%
HK$54,754
baseline
▲ 0.50% · 4.625%
HK$58,086
+HK$3,332/mo
Deposit HK$1.26M · loan HK$11.30M · min. income ≈ HK$109,508/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$470,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,319
−HK$3,097/mo
▼ 0.25% · 3.875%
HK$58,856
−HK$1,560/mo
Today · 4.125%
HK$60,416
baseline
▲ 0.50% · 4.625%
HK$63,601
+HK$3,185/mo
Deposit HK$1.26M · loan HK$11.30M · min. income ≈ HK$120,832/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$470,738 · Scale 2, in force from 26 Feb 2026)