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$28,629
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$29,520
−HK$905/mo
Today · 4.125%
HK$30,425
baseline
▲ 0.50% · 4.625%
HK$32,276
+HK$1,851/mo
Deposit HK$6.28M · loan HK$6.28M · min. income ≈ HK$60,850/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$470,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,850
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$32,704
−HK$867/mo
Today · 4.125%
HK$33,571
baseline
▲ 0.50% · 4.625%
HK$35,340
+HK$1,769/mo
Deposit HK$6.28M · loan HK$6.28M · min. income ≈ HK$67,142/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$470,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,355
−HK$2,155/mo
▼ 0.25% · 3.875%
HK$35,424
−HK$1,086/mo
Today · 4.125%
HK$36,510
baseline
▲ 0.50% · 4.625%
HK$38,731
+HK$2,221/mo
Deposit HK$5.02M · loan HK$7.53M · min. income ≈ HK$73,020/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$470,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,220
−HK$2,065/mo
▼ 0.25% · 3.875%
HK$39,245
−HK$1,040/mo
Today · 4.125%
HK$40,285
baseline
▲ 0.50% · 4.625%
HK$42,408
+HK$2,123/mo
Deposit HK$5.02M · loan HK$7.53M · min. income ≈ HK$80,570/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$470,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,081
−HK$2,513/mo
▼ 0.25% · 3.875%
HK$41,328
−HK$1,266/mo
Today · 4.125%
HK$42,594
baseline
▲ 0.50% · 4.625%
HK$45,186
+HK$2,592/mo
Deposit HK$3.77M · loan HK$8.79M · min. income ≈ HK$85,188/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$470,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,590
−HK$2,409/mo
▼ 0.25% · 3.875%
HK$45,786
−HK$1,213/mo
Today · 4.125%
HK$46,999
baseline
▲ 0.50% · 4.625%
HK$49,476
+HK$2,477/mo
Deposit HK$3.77M · loan HK$8.79M · min. income ≈ HK$93,998/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$470,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,533
−HK$3,231/mo
▼ 0.25% · 3.875%
HK$53,136
−HK$1,628/mo
Today · 4.125%
HK$54,764
baseline
▲ 0.50% · 4.625%
HK$58,097
+HK$3,333/mo
Deposit HK$1.26M · loan HK$11.30M · min. income ≈ HK$109,528/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$470,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,330
−HK$3,097/mo
▼ 0.25% · 3.875%
HK$58,867
−HK$1,560/mo
Today · 4.125%
HK$60,427
baseline
▲ 0.50% · 4.625%
HK$63,612
+HK$3,185/mo
Deposit HK$1.26M · loan HK$11.30M · min. income ≈ HK$120,854/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$470,824 · Scale 2, in force from 26 Feb 2026)