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$28,638
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$29,528
−HK$906/mo
Today · 4.125%
HK$30,434
baseline
▲ 0.50% · 4.625%
HK$32,285
+HK$1,851/mo
Deposit HK$6.28M · loan HK$6.28M · min. income ≈ HK$60,868/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$470,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,859
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$32,714
−HK$866/mo
Today · 4.125%
HK$33,580
baseline
▲ 0.50% · 4.625%
HK$35,350
+HK$1,770/mo
Deposit HK$6.28M · loan HK$6.28M · min. income ≈ HK$67,160/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$470,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,365
−HK$2,155/mo
▼ 0.25% · 3.875%
HK$35,434
−HK$1,086/mo
Today · 4.125%
HK$36,520
baseline
▲ 0.50% · 4.625%
HK$38,742
+HK$2,222/mo
Deposit HK$5.02M · loan HK$7.54M · min. income ≈ HK$73,040/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$470,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,231
−HK$2,065/mo
▼ 0.25% · 3.875%
HK$39,256
−HK$1,040/mo
Today · 4.125%
HK$40,296
baseline
▲ 0.50% · 4.625%
HK$42,421
+HK$2,125/mo
Deposit HK$5.02M · loan HK$7.54M · min. income ≈ HK$80,592/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$470,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,093
−HK$2,514/mo
▼ 0.25% · 3.875%
HK$41,340
−HK$1,267/mo
Today · 4.125%
HK$42,607
baseline
▲ 0.50% · 4.625%
HK$45,199
+HK$2,592/mo
Deposit HK$3.77M · loan HK$8.79M · min. income ≈ HK$85,214/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$470,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,603
−HK$2,410/mo
▼ 0.25% · 3.875%
HK$45,799
−HK$1,214/mo
Today · 4.125%
HK$47,013
baseline
▲ 0.50% · 4.625%
HK$49,491
+HK$2,478/mo
Deposit HK$3.77M · loan HK$8.79M · min. income ≈ HK$94,026/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$470,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,548
−HK$3,232/mo
▼ 0.25% · 3.875%
HK$53,151
−HK$1,629/mo
Today · 4.125%
HK$54,780
baseline
▲ 0.50% · 4.625%
HK$58,114
+HK$3,334/mo
Deposit HK$1.26M · loan HK$11.30M · min. income ≈ HK$109,560/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$470,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,346
−HK$3,099/mo
▼ 0.25% · 3.875%
HK$58,884
−HK$1,561/mo
Today · 4.125%
HK$60,445
baseline
▲ 0.50% · 4.625%
HK$63,631
+HK$3,186/mo
Deposit HK$1.26M · loan HK$11.30M · min. income ≈ HK$120,890/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$470,962 · Scale 2, in force from 26 Feb 2026)