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$28,756
−HK$1,803/mo
▼ 0.25% · 3.875%
HK$29,650
−HK$909/mo
Today · 4.125%
HK$30,559
baseline
▲ 0.50% · 4.625%
HK$32,418
+HK$1,859/mo
Deposit HK$6.31M · loan HK$6.31M · min. income ≈ HK$61,118/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$472,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,991
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$32,849
−HK$870/mo
Today · 4.125%
HK$33,719
baseline
▲ 0.50% · 4.625%
HK$35,496
+HK$1,777/mo
Deposit HK$6.31M · loan HK$6.31M · min. income ≈ HK$67,438/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$472,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,507
−HK$2,164/mo
▼ 0.25% · 3.875%
HK$35,580
−HK$1,091/mo
Today · 4.125%
HK$36,671
baseline
▲ 0.50% · 4.625%
HK$38,902
+HK$2,231/mo
Deposit HK$5.04M · loan HK$7.57M · min. income ≈ HK$73,342/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$472,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,389
−HK$2,074/mo
▼ 0.25% · 3.875%
HK$39,418
−HK$1,045/mo
Today · 4.125%
HK$40,463
baseline
▲ 0.50% · 4.625%
HK$42,596
+HK$2,133/mo
Deposit HK$5.04M · loan HK$7.57M · min. income ≈ HK$80,926/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$472,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,258
−HK$2,525/mo
▼ 0.25% · 3.875%
HK$41,510
−HK$1,273/mo
Today · 4.125%
HK$42,783
baseline
▲ 0.50% · 4.625%
HK$45,386
+HK$2,603/mo
Deposit HK$3.78M · loan HK$8.83M · min. income ≈ HK$85,566/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$472,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,787
−HK$2,419/mo
▼ 0.25% · 3.875%
HK$45,988
−HK$1,218/mo
Today · 4.125%
HK$47,206
baseline
▲ 0.50% · 4.625%
HK$49,695
+HK$2,489/mo
Deposit HK$3.78M · loan HK$8.83M · min. income ≈ HK$94,412/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$472,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,760
−HK$3,246/mo
▼ 0.25% · 3.875%
HK$53,370
−HK$1,636/mo
Today · 4.125%
HK$55,006
baseline
▲ 0.50% · 4.625%
HK$58,353
+HK$3,347/mo
Deposit HK$1.26M · loan HK$11.35M · min. income ≈ HK$110,012/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$472,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,583
−HK$3,111/mo
▼ 0.25% · 3.875%
HK$59,127
−HK$1,567/mo
Today · 4.125%
HK$60,694
baseline
▲ 0.50% · 4.625%
HK$63,893
+HK$3,199/mo
Deposit HK$1.26M · loan HK$11.35M · min. income ≈ HK$121,388/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$472,905 · Scale 2, in force from 26 Feb 2026)