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$28,632
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$29,522
−HK$905/mo
Today · 4.125%
HK$30,427
baseline
▲ 0.50% · 4.625%
HK$32,279
+HK$1,852/mo
Deposit HK$6.28M · loan HK$6.28M · min. income ≈ HK$60,854/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$470,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,852
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$32,707
−HK$866/mo
Today · 4.125%
HK$33,573
baseline
▲ 0.50% · 4.625%
HK$35,343
+HK$1,770/mo
Deposit HK$6.28M · loan HK$6.28M · min. income ≈ HK$67,146/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$470,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,358
−HK$2,155/mo
▼ 0.25% · 3.875%
HK$35,427
−HK$1,086/mo
Today · 4.125%
HK$36,513
baseline
▲ 0.50% · 4.625%
HK$38,734
+HK$2,221/mo
Deposit HK$5.02M · loan HK$7.53M · min. income ≈ HK$73,026/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$470,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,223
−HK$2,065/mo
▼ 0.25% · 3.875%
HK$39,248
−HK$1,040/mo
Today · 4.125%
HK$40,288
baseline
▲ 0.50% · 4.625%
HK$42,412
+HK$2,124/mo
Deposit HK$5.02M · loan HK$7.53M · min. income ≈ HK$80,576/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$470,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,084
−HK$2,514/mo
▼ 0.25% · 3.875%
HK$41,331
−HK$1,267/mo
Today · 4.125%
HK$42,598
baseline
▲ 0.50% · 4.625%
HK$45,190
+HK$2,592/mo
Deposit HK$3.77M · loan HK$8.79M · min. income ≈ HK$85,196/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$470,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,593
−HK$2,410/mo
▼ 0.25% · 3.875%
HK$45,789
−HK$1,214/mo
Today · 4.125%
HK$47,003
baseline
▲ 0.50% · 4.625%
HK$49,480
+HK$2,477/mo
Deposit HK$3.77M · loan HK$8.79M · min. income ≈ HK$94,006/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$470,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,537
−HK$3,232/mo
▼ 0.25% · 3.875%
HK$53,140
−HK$1,629/mo
Today · 4.125%
HK$54,769
baseline
▲ 0.50% · 4.625%
HK$58,101
+HK$3,332/mo
Deposit HK$1.26M · loan HK$11.30M · min. income ≈ HK$109,538/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$470,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,334
−HK$3,098/mo
▼ 0.25% · 3.875%
HK$58,872
−HK$1,560/mo
Today · 4.125%
HK$60,432
baseline
▲ 0.50% · 4.625%
HK$63,617
+HK$3,185/mo
Deposit HK$1.26M · loan HK$11.30M · min. income ≈ HK$120,864/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$470,863 · Scale 2, in force from 26 Feb 2026)