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$28,618
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$29,508
−HK$905/mo
Today · 4.125%
HK$30,413
baseline
▲ 0.50% · 4.625%
HK$32,263
+HK$1,850/mo
Deposit HK$6.28M · loan HK$6.28M · min. income ≈ HK$60,826/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$470,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,837
−HK$1,720/mo
▼ 0.25% · 3.875%
HK$32,691
−HK$866/mo
Today · 4.125%
HK$33,557
baseline
▲ 0.50% · 4.625%
HK$35,326
+HK$1,769/mo
Deposit HK$6.28M · loan HK$6.28M · min. income ≈ HK$67,114/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$470,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,342
−HK$2,153/mo
▼ 0.25% · 3.875%
HK$35,410
−HK$1,085/mo
Today · 4.125%
HK$36,495
baseline
▲ 0.50% · 4.625%
HK$38,716
+HK$2,221/mo
Deposit HK$5.02M · loan HK$7.53M · min. income ≈ HK$72,990/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$470,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,205
−HK$2,064/mo
▼ 0.25% · 3.875%
HK$39,229
−HK$1,040/mo
Today · 4.125%
HK$40,269
baseline
▲ 0.50% · 4.625%
HK$42,391
+HK$2,122/mo
Deposit HK$5.02M · loan HK$7.53M · min. income ≈ HK$80,538/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$470,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,065
−HK$2,513/mo
▼ 0.25% · 3.875%
HK$41,311
−HK$1,267/mo
Today · 4.125%
HK$42,578
baseline
▲ 0.50% · 4.625%
HK$45,168
+HK$2,590/mo
Deposit HK$3.77M · loan HK$8.79M · min. income ≈ HK$85,156/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$470,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,572
−HK$2,408/mo
▼ 0.25% · 3.875%
HK$45,767
−HK$1,213/mo
Today · 4.125%
HK$46,980
baseline
▲ 0.50% · 4.625%
HK$49,456
+HK$2,476/mo
Deposit HK$3.77M · loan HK$8.79M · min. income ≈ HK$93,960/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$470,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,512
−HK$3,231/mo
▼ 0.25% · 3.875%
HK$53,115
−HK$1,628/mo
Today · 4.125%
HK$54,743
baseline
▲ 0.50% · 4.625%
HK$58,073
+HK$3,330/mo
Deposit HK$1.26M · loan HK$11.30M · min. income ≈ HK$109,486/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$470,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,307
−HK$3,096/mo
▼ 0.25% · 3.875%
HK$58,844
−HK$1,559/mo
Today · 4.125%
HK$60,403
baseline
▲ 0.50% · 4.625%
HK$63,587
+HK$3,184/mo
Deposit HK$1.26M · loan HK$11.30M · min. income ≈ HK$120,806/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$470,637 · Scale 2, in force from 26 Feb 2026)