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$28,620
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$29,510
−HK$905/mo
Today · 4.125%
HK$30,415
baseline
▲ 0.50% · 4.625%
HK$32,265
+HK$1,850/mo
Deposit HK$6.28M · loan HK$6.28M · min. income ≈ HK$60,830/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$470,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,839
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$32,693
−HK$867/mo
Today · 4.125%
HK$33,560
baseline
▲ 0.50% · 4.625%
HK$35,329
+HK$1,769/mo
Deposit HK$6.28M · loan HK$6.28M · min. income ≈ HK$67,120/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$470,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,344
−HK$2,154/mo
▼ 0.25% · 3.875%
HK$35,412
−HK$1,086/mo
Today · 4.125%
HK$36,498
baseline
▲ 0.50% · 4.625%
HK$38,719
+HK$2,221/mo
Deposit HK$5.02M · loan HK$7.53M · min. income ≈ HK$72,996/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$470,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,207
−HK$2,065/mo
▼ 0.25% · 3.875%
HK$39,232
−HK$1,040/mo
Today · 4.125%
HK$40,272
baseline
▲ 0.50% · 4.625%
HK$42,394
+HK$2,122/mo
Deposit HK$5.02M · loan HK$7.53M · min. income ≈ HK$80,544/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$470,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,068
−HK$2,513/mo
▼ 0.25% · 3.875%
HK$41,314
−HK$1,267/mo
Today · 4.125%
HK$42,581
baseline
▲ 0.50% · 4.625%
HK$45,172
+HK$2,591/mo
Deposit HK$3.77M · loan HK$8.79M · min. income ≈ HK$85,162/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$470,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,575
−HK$2,409/mo
▼ 0.25% · 3.875%
HK$45,771
−HK$1,213/mo
Today · 4.125%
HK$46,984
baseline
▲ 0.50% · 4.625%
HK$49,460
+HK$2,476/mo
Deposit HK$3.77M · loan HK$8.79M · min. income ≈ HK$93,968/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$470,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,516
−HK$3,231/mo
▼ 0.25% · 3.875%
HK$53,118
−HK$1,629/mo
Today · 4.125%
HK$54,747
baseline
▲ 0.50% · 4.625%
HK$58,078
+HK$3,331/mo
Deposit HK$1.26M · loan HK$11.30M · min. income ≈ HK$109,494/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$470,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,311
−HK$3,096/mo
▼ 0.25% · 3.875%
HK$58,848
−HK$1,559/mo
Today · 4.125%
HK$60,407
baseline
▲ 0.50% · 4.625%
HK$63,592
+HK$3,185/mo
Deposit HK$1.26M · loan HK$11.30M · min. income ≈ HK$120,814/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$470,672 · Scale 2, in force from 26 Feb 2026)