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$28,624
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$29,514
−HK$905/mo
Today · 4.125%
HK$30,419
baseline
▲ 0.50% · 4.625%
HK$32,269
+HK$1,850/mo
Deposit HK$6.28M · loan HK$6.28M · min. income ≈ HK$60,838/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$470,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,843
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$32,697
−HK$867/mo
Today · 4.125%
HK$33,564
baseline
▲ 0.50% · 4.625%
HK$35,333
+HK$1,769/mo
Deposit HK$6.28M · loan HK$6.28M · min. income ≈ HK$67,128/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$470,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,348
−HK$2,154/mo
▼ 0.25% · 3.875%
HK$35,417
−HK$1,085/mo
Today · 4.125%
HK$36,502
baseline
▲ 0.50% · 4.625%
HK$38,723
+HK$2,221/mo
Deposit HK$5.02M · loan HK$7.53M · min. income ≈ HK$73,004/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$470,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,212
−HK$2,065/mo
▼ 0.25% · 3.875%
HK$39,237
−HK$1,040/mo
Today · 4.125%
HK$40,277
baseline
▲ 0.50% · 4.625%
HK$42,400
+HK$2,123/mo
Deposit HK$5.02M · loan HK$7.53M · min. income ≈ HK$80,554/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$470,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,073
−HK$2,513/mo
▼ 0.25% · 3.875%
HK$41,320
−HK$1,266/mo
Today · 4.125%
HK$42,586
baseline
▲ 0.50% · 4.625%
HK$45,177
+HK$2,591/mo
Deposit HK$3.77M · loan HK$8.79M · min. income ≈ HK$85,172/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$470,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,581
−HK$2,408/mo
▼ 0.25% · 3.875%
HK$45,776
−HK$1,213/mo
Today · 4.125%
HK$46,989
baseline
▲ 0.50% · 4.625%
HK$49,466
+HK$2,477/mo
Deposit HK$3.77M · loan HK$8.79M · min. income ≈ HK$93,978/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$470,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,522
−HK$3,231/mo
▼ 0.25% · 3.875%
HK$53,125
−HK$1,628/mo
Today · 4.125%
HK$54,753
baseline
▲ 0.50% · 4.625%
HK$58,085
+HK$3,332/mo
Deposit HK$1.26M · loan HK$11.30M · min. income ≈ HK$109,506/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$470,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,318
−HK$3,097/mo
▼ 0.25% · 3.875%
HK$58,855
−HK$1,560/mo
Today · 4.125%
HK$60,415
baseline
▲ 0.50% · 4.625%
HK$63,599
+HK$3,184/mo
Deposit HK$1.26M · loan HK$11.30M · min. income ≈ HK$120,830/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$470,730 · Scale 2, in force from 26 Feb 2026)