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$28,794
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$29,689
−HK$910/mo
Today · 4.125%
HK$30,599
baseline
▲ 0.50% · 4.625%
HK$32,461
+HK$1,862/mo
Deposit HK$6.31M · loan HK$6.31M · min. income ≈ HK$61,198/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$473,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,033
−HK$1,730/mo
▼ 0.25% · 3.875%
HK$32,892
−HK$871/mo
Today · 4.125%
HK$33,763
baseline
▲ 0.50% · 4.625%
HK$35,543
+HK$1,780/mo
Deposit HK$6.31M · loan HK$6.31M · min. income ≈ HK$67,526/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$473,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,552
−HK$2,167/mo
▼ 0.25% · 3.875%
HK$35,627
−HK$1,092/mo
Today · 4.125%
HK$36,719
baseline
▲ 0.50% · 4.625%
HK$38,953
+HK$2,234/mo
Deposit HK$5.05M · loan HK$7.58M · min. income ≈ HK$73,438/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$473,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,439
−HK$2,077/mo
▼ 0.25% · 3.875%
HK$39,470
−HK$1,046/mo
Today · 4.125%
HK$40,516
baseline
▲ 0.50% · 4.625%
HK$42,652
+HK$2,136/mo
Deposit HK$5.05M · loan HK$7.58M · min. income ≈ HK$81,032/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$473,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,311
−HK$2,528/mo
▼ 0.25% · 3.875%
HK$41,565
−HK$1,274/mo
Today · 4.125%
HK$42,839
baseline
▲ 0.50% · 4.625%
HK$45,446
+HK$2,607/mo
Deposit HK$3.79M · loan HK$8.84M · min. income ≈ HK$85,678/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$473,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,846
−HK$2,423/mo
▼ 0.25% · 3.875%
HK$46,048
−HK$1,221/mo
Today · 4.125%
HK$47,269
baseline
▲ 0.50% · 4.625%
HK$49,760
+HK$2,491/mo
Deposit HK$3.79M · loan HK$8.84M · min. income ≈ HK$94,538/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$473,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,829
−HK$3,250/mo
▼ 0.25% · 3.875%
HK$53,441
−HK$1,638/mo
Today · 4.125%
HK$55,079
baseline
▲ 0.50% · 4.625%
HK$58,430
+HK$3,351/mo
Deposit HK$1.26M · loan HK$11.36M · min. income ≈ HK$110,158/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$473,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,659
−HK$3,115/mo
▼ 0.25% · 3.875%
HK$59,205
−HK$1,569/mo
Today · 4.125%
HK$60,774
baseline
▲ 0.50% · 4.625%
HK$63,977
+HK$3,203/mo
Deposit HK$1.26M · loan HK$11.36M · min. income ≈ HK$121,548/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$473,527 · Scale 2, in force from 26 Feb 2026)