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$28,727
−HK$1,801/mo
▼ 0.25% · 3.875%
HK$29,620
−HK$908/mo
Today · 4.125%
HK$30,528
baseline
▲ 0.50% · 4.625%
HK$32,386
+HK$1,858/mo
Deposit HK$6.30M · loan HK$6.30M · min. income ≈ HK$61,056/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$472,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,958
−HK$1,727/mo
▼ 0.25% · 3.875%
HK$32,815
−HK$870/mo
Today · 4.125%
HK$33,685
baseline
▲ 0.50% · 4.625%
HK$35,460
+HK$1,775/mo
Deposit HK$6.30M · loan HK$6.30M · min. income ≈ HK$67,370/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$472,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,472
−HK$2,162/mo
▼ 0.25% · 3.875%
HK$35,544
−HK$1,090/mo
Today · 4.125%
HK$36,634
baseline
▲ 0.50% · 4.625%
HK$38,863
+HK$2,229/mo
Deposit HK$5.04M · loan HK$7.56M · min. income ≈ HK$73,268/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$472,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,350
−HK$2,072/mo
▼ 0.25% · 3.875%
HK$39,378
−HK$1,044/mo
Today · 4.125%
HK$40,422
baseline
▲ 0.50% · 4.625%
HK$42,553
+HK$2,131/mo
Deposit HK$5.04M · loan HK$7.56M · min. income ≈ HK$80,844/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$472,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,217
−HK$2,522/mo
▼ 0.25% · 3.875%
HK$41,468
−HK$1,271/mo
Today · 4.125%
HK$42,739
baseline
▲ 0.50% · 4.625%
HK$45,340
+HK$2,601/mo
Deposit HK$3.78M · loan HK$8.82M · min. income ≈ HK$85,478/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$472,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,742
−HK$2,417/mo
▼ 0.25% · 3.875%
HK$45,941
−HK$1,218/mo
Today · 4.125%
HK$47,159
baseline
▲ 0.50% · 4.625%
HK$49,645
+HK$2,486/mo
Deposit HK$3.78M · loan HK$8.82M · min. income ≈ HK$94,318/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$472,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,708
−HK$3,243/mo
▼ 0.25% · 3.875%
HK$53,317
−HK$1,634/mo
Today · 4.125%
HK$54,951
baseline
▲ 0.50% · 4.625%
HK$58,294
+HK$3,343/mo
Deposit HK$1.26M · loan HK$11.34M · min. income ≈ HK$109,902/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$472,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,525
−HK$3,108/mo
▼ 0.25% · 3.875%
HK$59,068
−HK$1,565/mo
Today · 4.125%
HK$60,633
baseline
▲ 0.50% · 4.625%
HK$63,829
+HK$3,196/mo
Deposit HK$1.26M · loan HK$11.34M · min. income ≈ HK$121,266/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$472,427 · Scale 2, in force from 26 Feb 2026)