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$28,739
−HK$1,802/mo
▼ 0.25% · 3.875%
HK$29,633
−HK$908/mo
Today · 4.125%
HK$30,541
baseline
▲ 0.50% · 4.625%
HK$32,400
+HK$1,859/mo
Deposit HK$6.30M · loan HK$6.30M · min. income ≈ HK$61,082/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$472,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,972
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$32,830
−HK$870/mo
Today · 4.125%
HK$33,700
baseline
▲ 0.50% · 4.625%
HK$35,476
+HK$1,776/mo
Deposit HK$6.30M · loan HK$6.30M · min. income ≈ HK$67,400/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$472,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,487
−HK$2,163/mo
▼ 0.25% · 3.875%
HK$35,560
−HK$1,090/mo
Today · 4.125%
HK$36,650
baseline
▲ 0.50% · 4.625%
HK$38,880
+HK$2,230/mo
Deposit HK$5.04M · loan HK$7.56M · min. income ≈ HK$73,300/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$472,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,367
−HK$2,072/mo
▼ 0.25% · 3.875%
HK$39,396
−HK$1,043/mo
Today · 4.125%
HK$40,439
baseline
▲ 0.50% · 4.625%
HK$42,571
+HK$2,132/mo
Deposit HK$5.04M · loan HK$7.56M · min. income ≈ HK$80,878/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$472,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,235
−HK$2,523/mo
▼ 0.25% · 3.875%
HK$41,487
−HK$1,271/mo
Today · 4.125%
HK$42,758
baseline
▲ 0.50% · 4.625%
HK$45,360
+HK$2,602/mo
Deposit HK$3.78M · loan HK$8.82M · min. income ≈ HK$85,516/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$472,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,761
−HK$2,418/mo
▼ 0.25% · 3.875%
HK$45,962
−HK$1,217/mo
Today · 4.125%
HK$47,179
baseline
▲ 0.50% · 4.625%
HK$49,666
+HK$2,487/mo
Deposit HK$3.78M · loan HK$8.82M · min. income ≈ HK$94,358/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$472,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,731
−HK$3,244/mo
▼ 0.25% · 3.875%
HK$53,340
−HK$1,635/mo
Today · 4.125%
HK$54,975
baseline
▲ 0.50% · 4.625%
HK$58,320
+HK$3,345/mo
Deposit HK$1.26M · loan HK$11.34M · min. income ≈ HK$109,950/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$472,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,550
−HK$3,109/mo
▼ 0.25% · 3.875%
HK$59,093
−HK$1,566/mo
Today · 4.125%
HK$60,659
baseline
▲ 0.50% · 4.625%
HK$63,857
+HK$3,198/mo
Deposit HK$1.26M · loan HK$11.34M · min. income ≈ HK$121,318/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$472,633 · Scale 2, in force from 26 Feb 2026)