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$28,730
−HK$1,802/mo
▼ 0.25% · 3.875%
HK$29,624
−HK$908/mo
Today · 4.125%
HK$30,532
baseline
▲ 0.50% · 4.625%
HK$32,389
+HK$1,857/mo
Deposit HK$6.30M · loan HK$6.30M · min. income ≈ HK$61,064/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$472,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,962
−HK$1,727/mo
▼ 0.25% · 3.875%
HK$32,819
−HK$870/mo
Today · 4.125%
HK$33,689
baseline
▲ 0.50% · 4.625%
HK$35,465
+HK$1,776/mo
Deposit HK$6.30M · loan HK$6.30M · min. income ≈ HK$67,378/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$472,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,476
−HK$2,162/mo
▼ 0.25% · 3.875%
HK$35,549
−HK$1,089/mo
Today · 4.125%
HK$36,638
baseline
▲ 0.50% · 4.625%
HK$38,867
+HK$2,229/mo
Deposit HK$5.04M · loan HK$7.56M · min. income ≈ HK$73,276/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$472,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,354
−HK$2,072/mo
▼ 0.25% · 3.875%
HK$39,383
−HK$1,043/mo
Today · 4.125%
HK$40,426
baseline
▲ 0.50% · 4.625%
HK$42,557
+HK$2,131/mo
Deposit HK$5.04M · loan HK$7.56M · min. income ≈ HK$80,852/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$472,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,222
−HK$2,522/mo
▼ 0.25% · 3.875%
HK$41,473
−HK$1,271/mo
Today · 4.125%
HK$42,744
baseline
▲ 0.50% · 4.625%
HK$45,345
+HK$2,601/mo
Deposit HK$3.78M · loan HK$8.82M · min. income ≈ HK$85,488/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$472,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,747
−HK$2,417/mo
▼ 0.25% · 3.875%
HK$45,947
−HK$1,217/mo
Today · 4.125%
HK$47,164
baseline
▲ 0.50% · 4.625%
HK$49,650
+HK$2,486/mo
Deposit HK$3.78M · loan HK$8.82M · min. income ≈ HK$94,328/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$472,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,714
−HK$3,243/mo
▼ 0.25% · 3.875%
HK$53,323
−HK$1,634/mo
Today · 4.125%
HK$54,957
baseline
▲ 0.50% · 4.625%
HK$58,301
+HK$3,344/mo
Deposit HK$1.26M · loan HK$11.34M · min. income ≈ HK$109,914/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$472,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,531
−HK$3,109/mo
▼ 0.25% · 3.875%
HK$59,074
−HK$1,566/mo
Today · 4.125%
HK$60,640
baseline
▲ 0.50% · 4.625%
HK$63,836
+HK$3,196/mo
Deposit HK$1.26M · loan HK$11.34M · min. income ≈ HK$121,280/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$472,482 · Scale 2, in force from 26 Feb 2026)