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$28,736
−HK$1,803/mo
▼ 0.25% · 3.875%
HK$29,630
−HK$909/mo
Today · 4.125%
HK$30,539
baseline
▲ 0.50% · 4.625%
HK$32,397
+HK$1,858/mo
Deposit HK$6.30M · loan HK$6.30M · min. income ≈ HK$61,078/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$472,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,969
−HK$1,727/mo
▼ 0.25% · 3.875%
HK$32,826
−HK$870/mo
Today · 4.125%
HK$33,696
baseline
▲ 0.50% · 4.625%
HK$35,472
+HK$1,776/mo
Deposit HK$6.30M · loan HK$6.30M · min. income ≈ HK$67,392/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$472,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,484
−HK$2,162/mo
▼ 0.25% · 3.875%
HK$35,556
−HK$1,090/mo
Today · 4.125%
HK$36,646
baseline
▲ 0.50% · 4.625%
HK$38,876
+HK$2,230/mo
Deposit HK$5.04M · loan HK$7.56M · min. income ≈ HK$73,292/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$472,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,363
−HK$2,072/mo
▼ 0.25% · 3.875%
HK$39,392
−HK$1,043/mo
Today · 4.125%
HK$40,435
baseline
▲ 0.50% · 4.625%
HK$42,567
+HK$2,132/mo
Deposit HK$5.04M · loan HK$7.56M · min. income ≈ HK$80,870/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$472,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,231
−HK$2,523/mo
▼ 0.25% · 3.875%
HK$41,483
−HK$1,271/mo
Today · 4.125%
HK$42,754
baseline
▲ 0.50% · 4.625%
HK$45,355
+HK$2,601/mo
Deposit HK$3.78M · loan HK$8.82M · min. income ≈ HK$85,508/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$472,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,757
−HK$2,418/mo
▼ 0.25% · 3.875%
HK$45,957
−HK$1,218/mo
Today · 4.125%
HK$47,175
baseline
▲ 0.50% · 4.625%
HK$49,661
+HK$2,486/mo
Deposit HK$3.78M · loan HK$8.82M · min. income ≈ HK$94,350/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$472,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,726
−HK$3,243/mo
▼ 0.25% · 3.875%
HK$53,335
−HK$1,634/mo
Today · 4.125%
HK$54,969
baseline
▲ 0.50% · 4.625%
HK$58,314
+HK$3,345/mo
Deposit HK$1.26M · loan HK$11.34M · min. income ≈ HK$109,938/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$472,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,544
−HK$3,109/mo
▼ 0.25% · 3.875%
HK$59,088
−HK$1,565/mo
Today · 4.125%
HK$60,653
baseline
▲ 0.50% · 4.625%
HK$63,850
+HK$3,197/mo
Deposit HK$1.26M · loan HK$11.34M · min. income ≈ HK$121,306/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$472,587 · Scale 2, in force from 26 Feb 2026)