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$1,795/mo
▼ 0.25% · 3.875%
HK$29,519
−HK$905/mo
Today · 4.125%
HK$30,424
baseline
▲ 0.50% · 4.625%
HK$32,275
+HK$1,851/mo
Deposit HK$6.28M · loan HK$6.28M · min. income ≈ HK$60,848/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$470,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,849
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$32,703
−HK$867/mo
Today · 4.125%
HK$33,570
baseline
▲ 0.50% · 4.625%
HK$35,339
+HK$1,769/mo
Deposit HK$6.28M · loan HK$6.28M · min. income ≈ HK$67,140/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$470,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,354
−HK$2,155/mo
▼ 0.25% · 3.875%
HK$35,423
−HK$1,086/mo
Today · 4.125%
HK$36,509
baseline
▲ 0.50% · 4.625%
HK$38,730
+HK$2,221/mo
Deposit HK$5.02M · loan HK$7.53M · min. income ≈ HK$73,018/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$470,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,219
−HK$2,065/mo
▼ 0.25% · 3.875%
HK$39,244
−HK$1,040/mo
Today · 4.125%
HK$40,284
baseline
▲ 0.50% · 4.625%
HK$42,407
+HK$2,123/mo
Deposit HK$5.02M · loan HK$7.53M · min. income ≈ HK$80,568/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$470,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,080
−HK$2,513/mo
▼ 0.25% · 3.875%
HK$41,327
−HK$1,266/mo
Today · 4.125%
HK$42,593
baseline
▲ 0.50% · 4.625%
HK$45,185
+HK$2,592/mo
Deposit HK$3.77M · loan HK$8.79M · min. income ≈ HK$85,186/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$470,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,589
−HK$2,409/mo
▼ 0.25% · 3.875%
HK$45,784
−HK$1,214/mo
Today · 4.125%
HK$46,998
baseline
▲ 0.50% · 4.625%
HK$49,475
+HK$2,477/mo
Deposit HK$3.77M · loan HK$8.79M · min. income ≈ HK$93,996/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$470,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,531
−HK$3,232/mo
▼ 0.25% · 3.875%
HK$53,134
−HK$1,629/mo
Today · 4.125%
HK$54,763
baseline
▲ 0.50% · 4.625%
HK$58,095
+HK$3,332/mo
Deposit HK$1.26M · loan HK$11.30M · min. income ≈ HK$109,526/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$470,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,328
−HK$3,097/mo
▼ 0.25% · 3.875%
HK$58,866
−HK$1,559/mo
Today · 4.125%
HK$60,425
baseline
▲ 0.50% · 4.625%
HK$63,611
+HK$3,186/mo
Deposit HK$1.26M · loan HK$11.30M · min. income ≈ HK$120,850/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$470,812 · Scale 2, in force from 26 Feb 2026)