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$28,633
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$29,524
−HK$905/mo
Today · 4.125%
HK$30,429
baseline
▲ 0.50% · 4.625%
HK$32,280
+HK$1,851/mo
Deposit HK$6.28M · loan HK$6.28M · min. income ≈ HK$60,858/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$470,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,854
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$32,708
−HK$867/mo
Today · 4.125%
HK$33,575
baseline
▲ 0.50% · 4.625%
HK$35,345
+HK$1,770/mo
Deposit HK$6.28M · loan HK$6.28M · min. income ≈ HK$67,150/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$470,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,360
−HK$2,154/mo
▼ 0.25% · 3.875%
HK$35,428
−HK$1,086/mo
Today · 4.125%
HK$36,514
baseline
▲ 0.50% · 4.625%
HK$38,736
+HK$2,222/mo
Deposit HK$5.02M · loan HK$7.53M · min. income ≈ HK$73,028/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$470,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,225
−HK$2,065/mo
▼ 0.25% · 3.875%
HK$39,250
−HK$1,040/mo
Today · 4.125%
HK$40,290
baseline
▲ 0.50% · 4.625%
HK$42,414
+HK$2,124/mo
Deposit HK$5.02M · loan HK$7.53M · min. income ≈ HK$80,580/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$470,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,086
−HK$2,514/mo
▼ 0.25% · 3.875%
HK$41,333
−HK$1,267/mo
Today · 4.125%
HK$42,600
baseline
▲ 0.50% · 4.625%
HK$45,192
+HK$2,592/mo
Deposit HK$3.77M · loan HK$8.79M · min. income ≈ HK$85,200/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$470,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,596
−HK$2,409/mo
▼ 0.25% · 3.875%
HK$45,792
−HK$1,213/mo
Today · 4.125%
HK$47,005
baseline
▲ 0.50% · 4.625%
HK$49,483
+HK$2,478/mo
Deposit HK$3.77M · loan HK$8.79M · min. income ≈ HK$94,010/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$470,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,539
−HK$3,232/mo
▼ 0.25% · 3.875%
HK$53,143
−HK$1,628/mo
Today · 4.125%
HK$54,771
baseline
▲ 0.50% · 4.625%
HK$58,104
+HK$3,333/mo
Deposit HK$1.26M · loan HK$11.30M · min. income ≈ HK$109,542/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$470,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,337
−HK$3,098/mo
▼ 0.25% · 3.875%
HK$58,875
−HK$1,560/mo
Today · 4.125%
HK$60,435
baseline
▲ 0.50% · 4.625%
HK$63,620
+HK$3,185/mo
Deposit HK$1.26M · loan HK$11.30M · min. income ≈ HK$120,870/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$470,886 · Scale 2, in force from 26 Feb 2026)