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$28,595
−HK$1,793/mo
▼ 0.25% · 3.875%
HK$29,485
−HK$903/mo
Today · 4.125%
HK$30,388
baseline
▲ 0.50% · 4.625%
HK$32,237
+HK$1,849/mo
Deposit HK$6.27M · loan HK$6.27M · min. income ≈ HK$60,776/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$470,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,812
−HK$1,718/mo
▼ 0.25% · 3.875%
HK$32,665
−HK$865/mo
Today · 4.125%
HK$33,530
baseline
▲ 0.50% · 4.625%
HK$35,298
+HK$1,768/mo
Deposit HK$6.27M · loan HK$6.27M · min. income ≈ HK$67,060/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$470,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,314
−HK$2,152/mo
▼ 0.25% · 3.875%
HK$35,382
−HK$1,084/mo
Today · 4.125%
HK$36,466
baseline
▲ 0.50% · 4.625%
HK$38,685
+HK$2,219/mo
Deposit HK$5.02M · loan HK$7.52M · min. income ≈ HK$72,932/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$470,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,174
−HK$2,063/mo
▼ 0.25% · 3.875%
HK$39,198
−HK$1,039/mo
Today · 4.125%
HK$40,237
baseline
▲ 0.50% · 4.625%
HK$42,358
+HK$2,121/mo
Deposit HK$5.02M · loan HK$7.52M · min. income ≈ HK$80,474/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$470,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,033
−HK$2,511/mo
▼ 0.25% · 3.875%
HK$41,278
−HK$1,266/mo
Today · 4.125%
HK$42,544
baseline
▲ 0.50% · 4.625%
HK$45,132
+HK$2,588/mo
Deposit HK$3.76M · loan HK$8.78M · min. income ≈ HK$85,088/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$470,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,537
−HK$2,406/mo
▼ 0.25% · 3.875%
HK$45,731
−HK$1,212/mo
Today · 4.125%
HK$46,943
baseline
▲ 0.50% · 4.625%
HK$49,417
+HK$2,474/mo
Deposit HK$3.76M · loan HK$8.78M · min. income ≈ HK$93,886/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$470,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,471
−HK$3,228/mo
▼ 0.25% · 3.875%
HK$53,072
−HK$1,627/mo
Today · 4.125%
HK$54,699
baseline
▲ 0.50% · 4.625%
HK$58,027
+HK$3,328/mo
Deposit HK$1.25M · loan HK$11.29M · min. income ≈ HK$109,398/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$470,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,261
−HK$3,094/mo
▼ 0.25% · 3.875%
HK$58,797
−HK$1,558/mo
Today · 4.125%
HK$60,355
baseline
▲ 0.50% · 4.625%
HK$63,536
+HK$3,181/mo
Deposit HK$1.25M · loan HK$11.29M · min. income ≈ HK$120,710/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$470,262 · Scale 2, in force from 26 Feb 2026)