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$28,623
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$29,513
−HK$905/mo
Today · 4.125%
HK$30,418
baseline
▲ 0.50% · 4.625%
HK$32,269
+HK$1,851/mo
Deposit HK$6.28M · loan HK$6.28M · min. income ≈ HK$60,836/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$470,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,843
−HK$1,720/mo
▼ 0.25% · 3.875%
HK$32,697
−HK$866/mo
Today · 4.125%
HK$33,563
baseline
▲ 0.50% · 4.625%
HK$35,332
+HK$1,769/mo
Deposit HK$6.28M · loan HK$6.28M · min. income ≈ HK$67,126/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$470,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,347
−HK$2,154/mo
▼ 0.25% · 3.875%
HK$35,416
−HK$1,085/mo
Today · 4.125%
HK$36,501
baseline
▲ 0.50% · 4.625%
HK$38,722
+HK$2,221/mo
Deposit HK$5.02M · loan HK$7.53M · min. income ≈ HK$73,002/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$470,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,211
−HK$2,065/mo
▼ 0.25% · 3.875%
HK$39,236
−HK$1,040/mo
Today · 4.125%
HK$40,276
baseline
▲ 0.50% · 4.625%
HK$42,399
+HK$2,123/mo
Deposit HK$5.02M · loan HK$7.53M · min. income ≈ HK$80,552/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$470,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,072
−HK$2,513/mo
▼ 0.25% · 3.875%
HK$41,318
−HK$1,267/mo
Today · 4.125%
HK$42,585
baseline
▲ 0.50% · 4.625%
HK$45,176
+HK$2,591/mo
Deposit HK$3.77M · loan HK$8.79M · min. income ≈ HK$85,170/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$470,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,580
−HK$2,408/mo
▼ 0.25% · 3.875%
HK$45,775
−HK$1,213/mo
Today · 4.125%
HK$46,988
baseline
▲ 0.50% · 4.625%
HK$49,465
+HK$2,477/mo
Deposit HK$3.77M · loan HK$8.79M · min. income ≈ HK$93,976/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$470,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,521
−HK$3,231/mo
▼ 0.25% · 3.875%
HK$53,124
−HK$1,628/mo
Today · 4.125%
HK$54,752
baseline
▲ 0.50% · 4.625%
HK$58,084
+HK$3,332/mo
Deposit HK$1.26M · loan HK$11.30M · min. income ≈ HK$109,504/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$470,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,317
−HK$3,096/mo
▼ 0.25% · 3.875%
HK$58,854
−HK$1,559/mo
Today · 4.125%
HK$60,413
baseline
▲ 0.50% · 4.625%
HK$63,598
+HK$3,185/mo
Deposit HK$1.26M · loan HK$11.30M · min. income ≈ HK$120,826/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$470,718 · Scale 2, in force from 26 Feb 2026)