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$28,642
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$29,533
−HK$905/mo
Today · 4.125%
HK$30,438
baseline
▲ 0.50% · 4.625%
HK$32,291
+HK$1,853/mo
Deposit HK$6.28M · loan HK$6.28M · min. income ≈ HK$60,876/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$471,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,864
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$32,719
−HK$867/mo
Today · 4.125%
HK$33,586
baseline
▲ 0.50% · 4.625%
HK$35,356
+HK$1,770/mo
Deposit HK$6.28M · loan HK$6.28M · min. income ≈ HK$67,172/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$471,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,371
−HK$2,155/mo
▼ 0.25% · 3.875%
HK$35,440
−HK$1,086/mo
Today · 4.125%
HK$36,526
baseline
▲ 0.50% · 4.625%
HK$38,749
+HK$2,223/mo
Deposit HK$5.02M · loan HK$7.54M · min. income ≈ HK$73,052/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$471,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,237
−HK$2,066/mo
▼ 0.25% · 3.875%
HK$39,263
−HK$1,040/mo
Today · 4.125%
HK$40,303
baseline
▲ 0.50% · 4.625%
HK$42,427
+HK$2,124/mo
Deposit HK$5.02M · loan HK$7.54M · min. income ≈ HK$80,606/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$471,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,099
−HK$2,515/mo
▼ 0.25% · 3.875%
HK$41,347
−HK$1,267/mo
Today · 4.125%
HK$42,614
baseline
▲ 0.50% · 4.625%
HK$45,207
+HK$2,593/mo
Deposit HK$3.77M · loan HK$8.79M · min. income ≈ HK$85,228/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$471,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,610
−HK$2,410/mo
▼ 0.25% · 3.875%
HK$45,806
−HK$1,214/mo
Today · 4.125%
HK$47,020
baseline
▲ 0.50% · 4.625%
HK$49,499
+HK$2,479/mo
Deposit HK$3.77M · loan HK$8.79M · min. income ≈ HK$94,040/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$471,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,556
−HK$3,233/mo
▼ 0.25% · 3.875%
HK$53,160
−HK$1,629/mo
Today · 4.125%
HK$54,789
baseline
▲ 0.50% · 4.625%
HK$58,123
+HK$3,334/mo
Deposit HK$1.26M · loan HK$11.30M · min. income ≈ HK$109,578/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$471,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,356
−HK$3,098/mo
▼ 0.25% · 3.875%
HK$58,894
−HK$1,560/mo
Today · 4.125%
HK$60,454
baseline
▲ 0.50% · 4.625%
HK$63,641
+HK$3,187/mo
Deposit HK$1.26M · loan HK$11.30M · min. income ≈ HK$120,908/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$471,038 · Scale 2, in force from 26 Feb 2026)