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$28,622
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$29,512
−HK$905/mo
Today · 4.125%
HK$30,417
baseline
▲ 0.50% · 4.625%
HK$32,268
+HK$1,851/mo
Deposit HK$6.28M · loan HK$6.28M · min. income ≈ HK$60,834/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$470,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,842
−HK$1,720/mo
▼ 0.25% · 3.875%
HK$32,696
−HK$866/mo
Today · 4.125%
HK$33,562
baseline
▲ 0.50% · 4.625%
HK$35,331
+HK$1,769/mo
Deposit HK$6.28M · loan HK$6.28M · min. income ≈ HK$67,124/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$470,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,347
−HK$2,153/mo
▼ 0.25% · 3.875%
HK$35,415
−HK$1,085/mo
Today · 4.125%
HK$36,500
baseline
▲ 0.50% · 4.625%
HK$38,721
+HK$2,221/mo
Deposit HK$5.02M · loan HK$7.53M · min. income ≈ HK$73,000/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$470,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,210
−HK$2,065/mo
▼ 0.25% · 3.875%
HK$39,235
−HK$1,040/mo
Today · 4.125%
HK$40,275
baseline
▲ 0.50% · 4.625%
HK$42,398
+HK$2,123/mo
Deposit HK$5.02M · loan HK$7.53M · min. income ≈ HK$80,550/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$470,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,071
−HK$2,513/mo
▼ 0.25% · 3.875%
HK$41,317
−HK$1,267/mo
Today · 4.125%
HK$42,584
baseline
▲ 0.50% · 4.625%
HK$45,175
+HK$2,591/mo
Deposit HK$3.77M · loan HK$8.79M · min. income ≈ HK$85,168/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$470,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,579
−HK$2,408/mo
▼ 0.25% · 3.875%
HK$45,774
−HK$1,213/mo
Today · 4.125%
HK$46,987
baseline
▲ 0.50% · 4.625%
HK$49,464
+HK$2,477/mo
Deposit HK$3.77M · loan HK$8.79M · min. income ≈ HK$93,974/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$470,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,520
−HK$3,231/mo
▼ 0.25% · 3.875%
HK$53,122
−HK$1,629/mo
Today · 4.125%
HK$54,751
baseline
▲ 0.50% · 4.625%
HK$58,082
+HK$3,331/mo
Deposit HK$1.26M · loan HK$11.30M · min. income ≈ HK$109,502/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$470,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,315
−HK$3,097/mo
▼ 0.25% · 3.875%
HK$58,852
−HK$1,560/mo
Today · 4.125%
HK$60,412
baseline
▲ 0.50% · 4.625%
HK$63,596
+HK$3,184/mo
Deposit HK$1.26M · loan HK$11.30M · min. income ≈ HK$120,824/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$470,707 · Scale 2, in force from 26 Feb 2026)