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$28,617
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$29,507
−HK$905/mo
Today · 4.125%
HK$30,412
baseline
▲ 0.50% · 4.625%
HK$32,262
+HK$1,850/mo
Deposit HK$6.28M · loan HK$6.28M · min. income ≈ HK$60,824/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$470,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,836
−HK$1,720/mo
▼ 0.25% · 3.875%
HK$32,690
−HK$866/mo
Today · 4.125%
HK$33,556
baseline
▲ 0.50% · 4.625%
HK$35,325
+HK$1,769/mo
Deposit HK$6.28M · loan HK$6.28M · min. income ≈ HK$67,112/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$470,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,341
−HK$2,153/mo
▼ 0.25% · 3.875%
HK$35,409
−HK$1,085/mo
Today · 4.125%
HK$36,494
baseline
▲ 0.50% · 4.625%
HK$38,715
+HK$2,221/mo
Deposit HK$5.02M · loan HK$7.53M · min. income ≈ HK$72,988/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$470,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,204
−HK$2,064/mo
▼ 0.25% · 3.875%
HK$39,228
−HK$1,040/mo
Today · 4.125%
HK$40,268
baseline
▲ 0.50% · 4.625%
HK$42,390
+HK$2,122/mo
Deposit HK$5.02M · loan HK$7.53M · min. income ≈ HK$80,536/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$470,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,064
−HK$2,513/mo
▼ 0.25% · 3.875%
HK$41,310
−HK$1,267/mo
Today · 4.125%
HK$42,577
baseline
▲ 0.50% · 4.625%
HK$45,167
+HK$2,590/mo
Deposit HK$3.77M · loan HK$8.79M · min. income ≈ HK$85,154/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$470,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,571
−HK$2,408/mo
▼ 0.25% · 3.875%
HK$45,766
−HK$1,213/mo
Today · 4.125%
HK$46,979
baseline
▲ 0.50% · 4.625%
HK$49,455
+HK$2,476/mo
Deposit HK$3.77M · loan HK$8.79M · min. income ≈ HK$93,958/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$470,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,511
−HK$3,230/mo
▼ 0.25% · 3.875%
HK$53,113
−HK$1,628/mo
Today · 4.125%
HK$54,741
baseline
▲ 0.50% · 4.625%
HK$58,072
+HK$3,331/mo
Deposit HK$1.26M · loan HK$11.30M · min. income ≈ HK$109,482/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$470,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,306
−HK$3,096/mo
▼ 0.25% · 3.875%
HK$58,842
−HK$1,560/mo
Today · 4.125%
HK$60,402
baseline
▲ 0.50% · 4.625%
HK$63,585
+HK$3,183/mo
Deposit HK$1.26M · loan HK$11.30M · min. income ≈ HK$120,804/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$470,627 · Scale 2, in force from 26 Feb 2026)