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$28,753
−HK$1,803/mo
▼ 0.25% · 3.875%
HK$29,647
−HK$909/mo
Today · 4.125%
HK$30,556
baseline
▲ 0.50% · 4.625%
HK$32,415
+HK$1,859/mo
Deposit HK$6.30M · loan HK$6.30M · min. income ≈ HK$61,112/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$472,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,987
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$32,845
−HK$870/mo
Today · 4.125%
HK$33,715
baseline
▲ 0.50% · 4.625%
HK$35,492
+HK$1,777/mo
Deposit HK$6.30M · loan HK$6.30M · min. income ≈ HK$67,430/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$472,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,503
−HK$2,164/mo
▼ 0.25% · 3.875%
HK$35,577
−HK$1,090/mo
Today · 4.125%
HK$36,667
baseline
▲ 0.50% · 4.625%
HK$38,898
+HK$2,231/mo
Deposit HK$5.04M · loan HK$7.57M · min. income ≈ HK$73,334/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$472,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,385
−HK$2,073/mo
▼ 0.25% · 3.875%
HK$39,414
−HK$1,044/mo
Today · 4.125%
HK$40,458
baseline
▲ 0.50% · 4.625%
HK$42,591
+HK$2,133/mo
Deposit HK$5.04M · loan HK$7.57M · min. income ≈ HK$80,916/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$472,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,254
−HK$2,524/mo
▼ 0.25% · 3.875%
HK$41,506
−HK$1,272/mo
Today · 4.125%
HK$42,778
baseline
▲ 0.50% · 4.625%
HK$45,381
+HK$2,603/mo
Deposit HK$3.78M · loan HK$8.83M · min. income ≈ HK$85,556/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$472,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,782
−HK$2,419/mo
▼ 0.25% · 3.875%
HK$45,983
−HK$1,218/mo
Today · 4.125%
HK$47,201
baseline
▲ 0.50% · 4.625%
HK$49,689
+HK$2,488/mo
Deposit HK$3.78M · loan HK$8.83M · min. income ≈ HK$94,402/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$472,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,755
−HK$3,245/mo
▼ 0.25% · 3.875%
HK$53,365
−HK$1,635/mo
Today · 4.125%
HK$55,000
baseline
▲ 0.50% · 4.625%
HK$58,347
+HK$3,347/mo
Deposit HK$1.26M · loan HK$11.35M · min. income ≈ HK$110,000/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$472,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,577
−HK$3,111/mo
▼ 0.25% · 3.875%
HK$59,121
−HK$1,567/mo
Today · 4.125%
HK$60,688
baseline
▲ 0.50% · 4.625%
HK$63,886
+HK$3,198/mo
Deposit HK$1.26M · loan HK$11.35M · min. income ≈ HK$121,376/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$472,854 · Scale 2, in force from 26 Feb 2026)