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$28,741
−HK$1,803/mo
▼ 0.25% · 3.875%
HK$29,635
−HK$909/mo
Today · 4.125%
HK$30,544
baseline
▲ 0.50% · 4.625%
HK$32,402
+HK$1,858/mo
Deposit HK$6.30M · loan HK$6.30M · min. income ≈ HK$61,088/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$472,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,974
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$32,832
−HK$870/mo
Today · 4.125%
HK$33,702
baseline
▲ 0.50% · 4.625%
HK$35,478
+HK$1,776/mo
Deposit HK$6.30M · loan HK$6.30M · min. income ≈ HK$67,404/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$472,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,490
−HK$2,162/mo
▼ 0.25% · 3.875%
HK$35,562
−HK$1,090/mo
Today · 4.125%
HK$36,652
baseline
▲ 0.50% · 4.625%
HK$38,883
+HK$2,231/mo
Deposit HK$5.04M · loan HK$7.56M · min. income ≈ HK$73,304/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$472,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,369
−HK$2,073/mo
▼ 0.25% · 3.875%
HK$39,398
−HK$1,044/mo
Today · 4.125%
HK$40,442
baseline
▲ 0.50% · 4.625%
HK$42,574
+HK$2,132/mo
Deposit HK$5.04M · loan HK$7.56M · min. income ≈ HK$80,884/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$472,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,238
−HK$2,523/mo
▼ 0.25% · 3.875%
HK$41,490
−HK$1,271/mo
Today · 4.125%
HK$42,761
baseline
▲ 0.50% · 4.625%
HK$45,363
+HK$2,602/mo
Deposit HK$3.78M · loan HK$8.82M · min. income ≈ HK$85,522/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$472,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,764
−HK$2,419/mo
▼ 0.25% · 3.875%
HK$45,965
−HK$1,218/mo
Today · 4.125%
HK$47,183
baseline
▲ 0.50% · 4.625%
HK$49,670
+HK$2,487/mo
Deposit HK$3.78M · loan HK$8.82M · min. income ≈ HK$94,366/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$472,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,734
−HK$3,245/mo
▼ 0.25% · 3.875%
HK$53,344
−HK$1,635/mo
Today · 4.125%
HK$54,979
baseline
▲ 0.50% · 4.625%
HK$58,324
+HK$3,345/mo
Deposit HK$1.26M · loan HK$11.34M · min. income ≈ HK$109,958/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$472,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,554
−HK$3,110/mo
▼ 0.25% · 3.875%
HK$59,098
−HK$1,566/mo
Today · 4.125%
HK$60,664
baseline
▲ 0.50% · 4.625%
HK$63,861
+HK$3,197/mo
Deposit HK$1.26M · loan HK$11.34M · min. income ≈ HK$121,328/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$472,667 · Scale 2, in force from 26 Feb 2026)