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$28,764
−HK$1,804/mo
▼ 0.25% · 3.875%
HK$29,659
−HK$909/mo
Today · 4.125%
HK$30,568
baseline
▲ 0.50% · 4.625%
HK$32,428
+HK$1,860/mo
Deposit HK$6.31M · loan HK$6.31M · min. income ≈ HK$61,136/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$473,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,000
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$32,858
−HK$871/mo
Today · 4.125%
HK$33,729
baseline
▲ 0.50% · 4.625%
HK$35,507
+HK$1,778/mo
Deposit HK$6.31M · loan HK$6.31M · min. income ≈ HK$67,458/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$473,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,517
−HK$2,165/mo
▼ 0.25% · 3.875%
HK$35,591
−HK$1,091/mo
Today · 4.125%
HK$36,682
baseline
▲ 0.50% · 4.625%
HK$38,914
+HK$2,232/mo
Deposit HK$5.05M · loan HK$7.57M · min. income ≈ HK$73,364/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$473,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,400
−HK$2,075/mo
▼ 0.25% · 3.875%
HK$39,430
−HK$1,045/mo
Today · 4.125%
HK$40,475
baseline
▲ 0.50% · 4.625%
HK$42,608
+HK$2,133/mo
Deposit HK$5.05M · loan HK$7.57M · min. income ≈ HK$80,950/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$473,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,270
−HK$2,525/mo
▼ 0.25% · 3.875%
HK$41,523
−HK$1,272/mo
Today · 4.125%
HK$42,795
baseline
▲ 0.50% · 4.625%
HK$45,399
+HK$2,604/mo
Deposit HK$3.78M · loan HK$8.83M · min. income ≈ HK$85,590/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$473,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,800
−HK$2,421/mo
▼ 0.25% · 3.875%
HK$46,002
−HK$1,219/mo
Today · 4.125%
HK$47,221
baseline
▲ 0.50% · 4.625%
HK$49,710
+HK$2,489/mo
Deposit HK$3.78M · loan HK$8.83M · min. income ≈ HK$94,442/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$473,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,776
−HK$3,247/mo
▼ 0.25% · 3.875%
HK$53,386
−HK$1,637/mo
Today · 4.125%
HK$55,023
baseline
▲ 0.50% · 4.625%
HK$58,371
+HK$3,348/mo
Deposit HK$1.26M · loan HK$11.35M · min. income ≈ HK$110,046/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$473,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,600
−HK$3,112/mo
▼ 0.25% · 3.875%
HK$59,145
−HK$1,567/mo
Today · 4.125%
HK$60,712
baseline
▲ 0.50% · 4.625%
HK$63,912
+HK$3,200/mo
Deposit HK$1.26M · loan HK$11.35M · min. income ≈ HK$121,424/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$473,046 · Scale 2, in force from 26 Feb 2026)