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$28,604
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$29,494
−HK$904/mo
Today · 4.125%
HK$30,398
baseline
▲ 0.50% · 4.625%
HK$32,248
+HK$1,850/mo
Deposit HK$6.27M · loan HK$6.27M · min. income ≈ HK$60,796/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$470,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,822
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$32,675
−HK$866/mo
Today · 4.125%
HK$33,541
baseline
▲ 0.50% · 4.625%
HK$35,309
+HK$1,768/mo
Deposit HK$6.27M · loan HK$6.27M · min. income ≈ HK$67,082/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$470,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,325
−HK$2,152/mo
▼ 0.25% · 3.875%
HK$35,393
−HK$1,084/mo
Today · 4.125%
HK$36,477
baseline
▲ 0.50% · 4.625%
HK$38,697
+HK$2,220/mo
Deposit HK$5.02M · loan HK$7.53M · min. income ≈ HK$72,954/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$470,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,186
−HK$2,063/mo
▼ 0.25% · 3.875%
HK$39,210
−HK$1,039/mo
Today · 4.125%
HK$40,249
baseline
▲ 0.50% · 4.625%
HK$42,371
+HK$2,122/mo
Deposit HK$5.02M · loan HK$7.53M · min. income ≈ HK$80,498/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$470,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,046
−HK$2,511/mo
▼ 0.25% · 3.875%
HK$41,291
−HK$1,266/mo
Today · 4.125%
HK$42,557
baseline
▲ 0.50% · 4.625%
HK$45,147
+HK$2,590/mo
Deposit HK$3.76M · loan HK$8.78M · min. income ≈ HK$85,114/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$470,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,551
−HK$2,406/mo
▼ 0.25% · 3.875%
HK$45,745
−HK$1,212/mo
Today · 4.125%
HK$46,957
baseline
▲ 0.50% · 4.625%
HK$49,433
+HK$2,476/mo
Deposit HK$3.76M · loan HK$8.78M · min. income ≈ HK$93,914/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$470,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,487
−HK$3,229/mo
▼ 0.25% · 3.875%
HK$53,089
−HK$1,627/mo
Today · 4.125%
HK$54,716
baseline
▲ 0.50% · 4.625%
HK$58,046
+HK$3,330/mo
Deposit HK$1.25M · loan HK$11.29M · min. income ≈ HK$109,432/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$470,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,279
−HK$3,095/mo
▼ 0.25% · 3.875%
HK$58,815
−HK$1,559/mo
Today · 4.125%
HK$60,374
baseline
▲ 0.50% · 4.625%
HK$63,556
+HK$3,182/mo
Deposit HK$1.25M · loan HK$11.29M · min. income ≈ HK$120,748/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$470,410 · Scale 2, in force from 26 Feb 2026)