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$28,752
−HK$1,803/mo
▼ 0.25% · 3.875%
HK$29,646
−HK$909/mo
Today · 4.125%
HK$30,555
baseline
▲ 0.50% · 4.625%
HK$32,414
+HK$1,859/mo
Deposit HK$6.30M · loan HK$6.30M · min. income ≈ HK$61,110/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$472,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,986
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$32,844
−HK$870/mo
Today · 4.125%
HK$33,714
baseline
▲ 0.50% · 4.625%
HK$35,492
+HK$1,778/mo
Deposit HK$6.30M · loan HK$6.30M · min. income ≈ HK$67,428/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$472,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,502
−HK$2,164/mo
▼ 0.25% · 3.875%
HK$35,576
−HK$1,090/mo
Today · 4.125%
HK$36,666
baseline
▲ 0.50% · 4.625%
HK$38,897
+HK$2,231/mo
Deposit HK$5.04M · loan HK$7.57M · min. income ≈ HK$73,332/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$472,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,384
−HK$2,073/mo
▼ 0.25% · 3.875%
HK$39,413
−HK$1,044/mo
Today · 4.125%
HK$40,457
baseline
▲ 0.50% · 4.625%
HK$42,590
+HK$2,133/mo
Deposit HK$5.04M · loan HK$7.57M · min. income ≈ HK$80,914/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$472,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,253
−HK$2,524/mo
▼ 0.25% · 3.875%
HK$41,505
−HK$1,272/mo
Today · 4.125%
HK$42,777
baseline
▲ 0.50% · 4.625%
HK$45,380
+HK$2,603/mo
Deposit HK$3.78M · loan HK$8.83M · min. income ≈ HK$85,554/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$472,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,781
−HK$2,419/mo
▼ 0.25% · 3.875%
HK$45,982
−HK$1,218/mo
Today · 4.125%
HK$47,200
baseline
▲ 0.50% · 4.625%
HK$49,688
+HK$2,488/mo
Deposit HK$3.78M · loan HK$8.83M · min. income ≈ HK$94,400/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$472,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,754
−HK$3,245/mo
▼ 0.25% · 3.875%
HK$53,364
−HK$1,635/mo
Today · 4.125%
HK$54,999
baseline
▲ 0.50% · 4.625%
HK$58,346
+HK$3,347/mo
Deposit HK$1.26M · loan HK$11.35M · min. income ≈ HK$109,998/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$472,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,575
−HK$3,111/mo
▼ 0.25% · 3.875%
HK$59,120
−HK$1,566/mo
Today · 4.125%
HK$60,686
baseline
▲ 0.50% · 4.625%
HK$63,885
+HK$3,199/mo
Deposit HK$1.26M · loan HK$11.35M · min. income ≈ HK$121,372/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$472,843 · Scale 2, in force from 26 Feb 2026)