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$28,744
−HK$1,803/mo
▼ 0.25% · 3.875%
HK$29,638
−HK$909/mo
Today · 4.125%
HK$30,547
baseline
▲ 0.50% · 4.625%
HK$32,405
+HK$1,858/mo
Deposit HK$6.30M · loan HK$6.30M · min. income ≈ HK$61,094/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$472,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,978
−HK$1,727/mo
▼ 0.25% · 3.875%
HK$32,835
−HK$870/mo
Today · 4.125%
HK$33,705
baseline
▲ 0.50% · 4.625%
HK$35,482
+HK$1,777/mo
Deposit HK$6.30M · loan HK$6.30M · min. income ≈ HK$67,410/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$472,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,493
−HK$2,163/mo
▼ 0.25% · 3.875%
HK$35,566
−HK$1,090/mo
Today · 4.125%
HK$36,656
baseline
▲ 0.50% · 4.625%
HK$38,887
+HK$2,231/mo
Deposit HK$5.04M · loan HK$7.56M · min. income ≈ HK$73,312/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$472,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,373
−HK$2,073/mo
▼ 0.25% · 3.875%
HK$39,402
−HK$1,044/mo
Today · 4.125%
HK$40,446
baseline
▲ 0.50% · 4.625%
HK$42,578
+HK$2,132/mo
Deposit HK$5.04M · loan HK$7.56M · min. income ≈ HK$80,892/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$472,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,242
−HK$2,523/mo
▼ 0.25% · 3.875%
HK$41,494
−HK$1,271/mo
Today · 4.125%
HK$42,765
baseline
▲ 0.50% · 4.625%
HK$45,368
+HK$2,603/mo
Deposit HK$3.78M · loan HK$8.82M · min. income ≈ HK$85,530/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$472,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,769
−HK$2,418/mo
▼ 0.25% · 3.875%
HK$45,969
−HK$1,218/mo
Today · 4.125%
HK$47,187
baseline
▲ 0.50% · 4.625%
HK$49,675
+HK$2,488/mo
Deposit HK$3.78M · loan HK$8.82M · min. income ≈ HK$94,374/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$472,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,740
−HK$3,244/mo
▼ 0.25% · 3.875%
HK$53,349
−HK$1,635/mo
Today · 4.125%
HK$54,984
baseline
▲ 0.50% · 4.625%
HK$58,330
+HK$3,346/mo
Deposit HK$1.26M · loan HK$11.35M · min. income ≈ HK$109,968/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$472,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,560
−HK$3,110/mo
▼ 0.25% · 3.875%
HK$59,104
−HK$1,566/mo
Today · 4.125%
HK$60,670
baseline
▲ 0.50% · 4.625%
HK$63,868
+HK$3,198/mo
Deposit HK$1.26M · loan HK$11.35M · min. income ≈ HK$121,340/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$472,714 · Scale 2, in force from 26 Feb 2026)