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$28,620
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$29,510
−HK$904/mo
Today · 4.125%
HK$30,414
baseline
▲ 0.50% · 4.625%
HK$32,265
+HK$1,851/mo
Deposit HK$6.28M · loan HK$6.28M · min. income ≈ HK$60,828/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$470,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,839
−HK$1,720/mo
▼ 0.25% · 3.875%
HK$32,693
−HK$866/mo
Today · 4.125%
HK$33,559
baseline
▲ 0.50% · 4.625%
HK$35,328
+HK$1,769/mo
Deposit HK$6.28M · loan HK$6.28M · min. income ≈ HK$67,118/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$470,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,344
−HK$2,153/mo
▼ 0.25% · 3.875%
HK$35,412
−HK$1,085/mo
Today · 4.125%
HK$36,497
baseline
▲ 0.50% · 4.625%
HK$38,718
+HK$2,221/mo
Deposit HK$5.02M · loan HK$7.53M · min. income ≈ HK$72,994/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$470,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,207
−HK$2,064/mo
▼ 0.25% · 3.875%
HK$39,232
−HK$1,039/mo
Today · 4.125%
HK$40,271
baseline
▲ 0.50% · 4.625%
HK$42,394
+HK$2,123/mo
Deposit HK$5.02M · loan HK$7.53M · min. income ≈ HK$80,542/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$470,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,067
−HK$2,513/mo
▼ 0.25% · 3.875%
HK$41,314
−HK$1,266/mo
Today · 4.125%
HK$42,580
baseline
▲ 0.50% · 4.625%
HK$45,171
+HK$2,591/mo
Deposit HK$3.77M · loan HK$8.79M · min. income ≈ HK$85,160/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$470,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,575
−HK$2,408/mo
▼ 0.25% · 3.875%
HK$45,770
−HK$1,213/mo
Today · 4.125%
HK$46,983
baseline
▲ 0.50% · 4.625%
HK$49,459
+HK$2,476/mo
Deposit HK$3.77M · loan HK$8.79M · min. income ≈ HK$93,966/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$470,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,515
−HK$3,231/mo
▼ 0.25% · 3.875%
HK$53,118
−HK$1,628/mo
Today · 4.125%
HK$54,746
baseline
▲ 0.50% · 4.625%
HK$58,077
+HK$3,331/mo
Deposit HK$1.26M · loan HK$11.30M · min. income ≈ HK$109,492/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$470,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,310
−HK$3,097/mo
▼ 0.25% · 3.875%
HK$58,847
−HK$1,560/mo
Today · 4.125%
HK$60,407
baseline
▲ 0.50% · 4.625%
HK$63,591
+HK$3,184/mo
Deposit HK$1.26M · loan HK$11.30M · min. income ≈ HK$120,814/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$470,665 · Scale 2, in force from 26 Feb 2026)