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$28,765
−HK$1,804/mo
▼ 0.25% · 3.875%
HK$29,660
−HK$909/mo
Today · 4.125%
HK$30,569
baseline
▲ 0.50% · 4.625%
HK$32,429
+HK$1,860/mo
Deposit HK$6.31M · loan HK$6.31M · min. income ≈ HK$61,138/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$473,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,001
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$32,859
−HK$870/mo
Today · 4.125%
HK$33,729
baseline
▲ 0.50% · 4.625%
HK$35,507
+HK$1,778/mo
Deposit HK$6.31M · loan HK$6.31M · min. income ≈ HK$67,458/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$473,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,518
−HK$2,164/mo
▼ 0.25% · 3.875%
HK$35,591
−HK$1,091/mo
Today · 4.125%
HK$36,682
baseline
▲ 0.50% · 4.625%
HK$38,914
+HK$2,232/mo
Deposit HK$5.05M · loan HK$7.57M · min. income ≈ HK$73,364/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$473,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,401
−HK$2,074/mo
▼ 0.25% · 3.875%
HK$39,431
−HK$1,044/mo
Today · 4.125%
HK$40,475
baseline
▲ 0.50% · 4.625%
HK$42,609
+HK$2,134/mo
Deposit HK$5.05M · loan HK$7.57M · min. income ≈ HK$80,950/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$473,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,271
−HK$2,525/mo
▼ 0.25% · 3.875%
HK$41,523
−HK$1,273/mo
Today · 4.125%
HK$42,796
baseline
▲ 0.50% · 4.625%
HK$45,400
+HK$2,604/mo
Deposit HK$3.78M · loan HK$8.83M · min. income ≈ HK$85,592/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$473,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,801
−HK$2,420/mo
▼ 0.25% · 3.875%
HK$46,002
−HK$1,219/mo
Today · 4.125%
HK$47,221
baseline
▲ 0.50% · 4.625%
HK$49,710
+HK$2,489/mo
Deposit HK$3.78M · loan HK$8.83M · min. income ≈ HK$94,442/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$473,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,777
−HK$3,247/mo
▼ 0.25% · 3.875%
HK$53,387
−HK$1,637/mo
Today · 4.125%
HK$55,024
baseline
▲ 0.50% · 4.625%
HK$58,372
+HK$3,348/mo
Deposit HK$1.26M · loan HK$11.35M · min. income ≈ HK$110,048/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$473,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,601
−HK$3,112/mo
▼ 0.25% · 3.875%
HK$59,146
−HK$1,567/mo
Today · 4.125%
HK$60,713
baseline
▲ 0.50% · 4.625%
HK$63,913
+HK$3,200/mo
Deposit HK$1.26M · loan HK$11.35M · min. income ≈ HK$121,426/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$473,053 · Scale 2, in force from 26 Feb 2026)