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$28,627
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$29,518
−HK$905/mo
Today · 4.125%
HK$30,423
baseline
▲ 0.50% · 4.625%
HK$32,274
+HK$1,851/mo
Deposit HK$6.28M · loan HK$6.28M · min. income ≈ HK$60,846/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$470,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,848
−HK$1,720/mo
▼ 0.25% · 3.875%
HK$32,702
−HK$866/mo
Today · 4.125%
HK$33,568
baseline
▲ 0.50% · 4.625%
HK$35,338
+HK$1,770/mo
Deposit HK$6.28M · loan HK$6.28M · min. income ≈ HK$67,136/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$470,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,353
−HK$2,154/mo
▼ 0.25% · 3.875%
HK$35,421
−HK$1,086/mo
Today · 4.125%
HK$36,507
baseline
▲ 0.50% · 4.625%
HK$38,729
+HK$2,222/mo
Deposit HK$5.02M · loan HK$7.53M · min. income ≈ HK$73,014/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$470,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,217
−HK$2,065/mo
▼ 0.25% · 3.875%
HK$39,242
−HK$1,040/mo
Today · 4.125%
HK$40,282
baseline
▲ 0.50% · 4.625%
HK$42,405
+HK$2,123/mo
Deposit HK$5.02M · loan HK$7.53M · min. income ≈ HK$80,564/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$470,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,078
−HK$2,514/mo
▼ 0.25% · 3.875%
HK$41,325
−HK$1,267/mo
Today · 4.125%
HK$42,592
baseline
▲ 0.50% · 4.625%
HK$45,183
+HK$2,591/mo
Deposit HK$3.77M · loan HK$8.79M · min. income ≈ HK$85,184/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$470,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,587
−HK$2,409/mo
▼ 0.25% · 3.875%
HK$45,783
−HK$1,213/mo
Today · 4.125%
HK$46,996
baseline
▲ 0.50% · 4.625%
HK$49,473
+HK$2,477/mo
Deposit HK$3.77M · loan HK$8.79M · min. income ≈ HK$93,992/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$470,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,529
−HK$3,232/mo
▼ 0.25% · 3.875%
HK$53,132
−HK$1,629/mo
Today · 4.125%
HK$54,761
baseline
▲ 0.50% · 4.625%
HK$58,093
+HK$3,332/mo
Deposit HK$1.26M · loan HK$11.30M · min. income ≈ HK$109,522/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$470,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,326
−HK$3,097/mo
▼ 0.25% · 3.875%
HK$58,863
−HK$1,560/mo
Today · 4.125%
HK$60,423
baseline
▲ 0.50% · 4.625%
HK$63,608
+HK$3,185/mo
Deposit HK$1.26M · loan HK$11.30M · min. income ≈ HK$120,846/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$470,793 · Scale 2, in force from 26 Feb 2026)