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$28,729
−HK$1,801/mo
▼ 0.25% · 3.875%
HK$29,623
−HK$907/mo
Today · 4.125%
HK$30,530
baseline
▲ 0.50% · 4.625%
HK$32,388
+HK$1,858/mo
Deposit HK$6.30M · loan HK$6.30M · min. income ≈ HK$61,060/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$472,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,961
−HK$1,726/mo
▼ 0.25% · 3.875%
HK$32,818
−HK$869/mo
Today · 4.125%
HK$33,687
baseline
▲ 0.50% · 4.625%
HK$35,463
+HK$1,776/mo
Deposit HK$6.30M · loan HK$6.30M · min. income ≈ HK$67,374/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$472,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,475
−HK$2,162/mo
▼ 0.25% · 3.875%
HK$35,547
−HK$1,090/mo
Today · 4.125%
HK$36,637
baseline
▲ 0.50% · 4.625%
HK$38,866
+HK$2,229/mo
Deposit HK$5.04M · loan HK$7.56M · min. income ≈ HK$73,274/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$472,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,353
−HK$2,072/mo
▼ 0.25% · 3.875%
HK$39,381
−HK$1,044/mo
Today · 4.125%
HK$40,425
baseline
▲ 0.50% · 4.625%
HK$42,556
+HK$2,131/mo
Deposit HK$5.04M · loan HK$7.56M · min. income ≈ HK$80,850/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$472,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,220
−HK$2,523/mo
▼ 0.25% · 3.875%
HK$41,472
−HK$1,271/mo
Today · 4.125%
HK$42,743
baseline
▲ 0.50% · 4.625%
HK$45,343
+HK$2,600/mo
Deposit HK$3.78M · loan HK$8.82M · min. income ≈ HK$85,486/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$472,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,745
−HK$2,417/mo
▼ 0.25% · 3.875%
HK$45,945
−HK$1,217/mo
Today · 4.125%
HK$47,162
baseline
▲ 0.50% · 4.625%
HK$49,648
+HK$2,486/mo
Deposit HK$3.78M · loan HK$8.82M · min. income ≈ HK$94,324/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$472,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,712
−HK$3,243/mo
▼ 0.25% · 3.875%
HK$53,321
−HK$1,634/mo
Today · 4.125%
HK$54,955
baseline
▲ 0.50% · 4.625%
HK$58,299
+HK$3,344/mo
Deposit HK$1.26M · loan HK$11.34M · min. income ≈ HK$109,910/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$472,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,529
−HK$3,108/mo
▼ 0.25% · 3.875%
HK$59,072
−HK$1,565/mo
Today · 4.125%
HK$60,637
baseline
▲ 0.50% · 4.625%
HK$63,834
+HK$3,197/mo
Deposit HK$1.26M · loan HK$11.34M · min. income ≈ HK$121,274/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$472,462 · Scale 2, in force from 26 Feb 2026)