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$28,703
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$29,596
−HK$907/mo
Today · 4.125%
HK$30,503
baseline
▲ 0.50% · 4.625%
HK$32,359
+HK$1,856/mo
Deposit HK$6.29M · loan HK$6.29M · min. income ≈ HK$61,006/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$472,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,932
−HK$1,725/mo
▼ 0.25% · 3.875%
HK$32,789
−HK$868/mo
Today · 4.125%
HK$33,657
baseline
▲ 0.50% · 4.625%
HK$35,431
+HK$1,774/mo
Deposit HK$6.29M · loan HK$6.29M · min. income ≈ HK$67,314/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$472,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,444
−HK$2,160/mo
▼ 0.25% · 3.875%
HK$35,515
−HK$1,089/mo
Today · 4.125%
HK$36,604
baseline
▲ 0.50% · 4.625%
HK$38,831
+HK$2,227/mo
Deposit HK$5.04M · loan HK$7.55M · min. income ≈ HK$73,208/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$472,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,319
−HK$2,070/mo
▼ 0.25% · 3.875%
HK$39,346
−HK$1,043/mo
Today · 4.125%
HK$40,389
baseline
▲ 0.50% · 4.625%
HK$42,518
+HK$2,129/mo
Deposit HK$5.04M · loan HK$7.55M · min. income ≈ HK$80,778/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$472,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,185
−HK$2,520/mo
▼ 0.25% · 3.875%
HK$41,435
−HK$1,270/mo
Today · 4.125%
HK$42,705
baseline
▲ 0.50% · 4.625%
HK$45,303
+HK$2,598/mo
Deposit HK$3.78M · loan HK$8.81M · min. income ≈ HK$85,410/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$472,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,705
−HK$2,415/mo
▼ 0.25% · 3.875%
HK$45,904
−HK$1,216/mo
Today · 4.125%
HK$47,120
baseline
▲ 0.50% · 4.625%
HK$49,604
+HK$2,484/mo
Deposit HK$3.78M · loan HK$8.81M · min. income ≈ HK$94,240/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$472,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,666
−HK$3,240/mo
▼ 0.25% · 3.875%
HK$53,273
−HK$1,633/mo
Today · 4.125%
HK$54,906
baseline
▲ 0.50% · 4.625%
HK$58,247
+HK$3,341/mo
Deposit HK$1.26M · loan HK$11.33M · min. income ≈ HK$109,812/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$472,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,478
−HK$3,105/mo
▼ 0.25% · 3.875%
HK$59,019
−HK$1,564/mo
Today · 4.125%
HK$60,583
baseline
▲ 0.50% · 4.625%
HK$63,777
+HK$3,194/mo
Deposit HK$1.26M · loan HK$11.33M · min. income ≈ HK$121,166/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$472,041 · Scale 2, in force from 26 Feb 2026)