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$28,725
−HK$1,802/mo
▼ 0.25% · 3.875%
HK$29,619
−HK$908/mo
Today · 4.125%
HK$30,527
baseline
▲ 0.50% · 4.625%
HK$32,384
+HK$1,857/mo
Deposit HK$6.30M · loan HK$6.30M · min. income ≈ HK$61,054/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$472,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,957
−HK$1,726/mo
▼ 0.25% · 3.875%
HK$32,814
−HK$869/mo
Today · 4.125%
HK$33,683
baseline
▲ 0.50% · 4.625%
HK$35,459
+HK$1,776/mo
Deposit HK$6.30M · loan HK$6.30M · min. income ≈ HK$67,366/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$472,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,470
−HK$2,162/mo
▼ 0.25% · 3.875%
HK$35,543
−HK$1,089/mo
Today · 4.125%
HK$36,632
baseline
▲ 0.50% · 4.625%
HK$38,861
+HK$2,229/mo
Deposit HK$5.04M · loan HK$7.56M · min. income ≈ HK$73,264/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$472,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,348
−HK$2,072/mo
▼ 0.25% · 3.875%
HK$39,376
−HK$1,044/mo
Today · 4.125%
HK$40,420
baseline
▲ 0.50% · 4.625%
HK$42,550
+HK$2,130/mo
Deposit HK$5.04M · loan HK$7.56M · min. income ≈ HK$80,840/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$472,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,215
−HK$2,522/mo
▼ 0.25% · 3.875%
HK$41,466
−HK$1,271/mo
Today · 4.125%
HK$42,737
baseline
▲ 0.50% · 4.625%
HK$45,338
+HK$2,601/mo
Deposit HK$3.78M · loan HK$8.82M · min. income ≈ HK$85,474/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$472,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,739
−HK$2,417/mo
▼ 0.25% · 3.875%
HK$45,939
−HK$1,217/mo
Today · 4.125%
HK$47,156
baseline
▲ 0.50% · 4.625%
HK$49,642
+HK$2,486/mo
Deposit HK$3.78M · loan HK$8.82M · min. income ≈ HK$94,312/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$472,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,705
−HK$3,243/mo
▼ 0.25% · 3.875%
HK$53,314
−HK$1,634/mo
Today · 4.125%
HK$54,948
baseline
▲ 0.50% · 4.625%
HK$58,291
+HK$3,343/mo
Deposit HK$1.26M · loan HK$11.34M · min. income ≈ HK$109,896/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$472,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,522
−HK$3,108/mo
▼ 0.25% · 3.875%
HK$59,064
−HK$1,566/mo
Today · 4.125%
HK$60,630
baseline
▲ 0.50% · 4.625%
HK$63,825
+HK$3,195/mo
Deposit HK$1.26M · loan HK$11.34M · min. income ≈ HK$121,260/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$472,402 · Scale 2, in force from 26 Feb 2026)