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$28,608
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$29,498
−HK$904/mo
Today · 4.125%
HK$30,402
baseline
▲ 0.50% · 4.625%
HK$32,252
+HK$1,850/mo
Deposit HK$6.27M · loan HK$6.27M · min. income ≈ HK$60,804/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$470,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,826
−HK$1,720/mo
▼ 0.25% · 3.875%
HK$32,680
−HK$866/mo
Today · 4.125%
HK$33,546
baseline
▲ 0.50% · 4.625%
HK$35,314
+HK$1,768/mo
Deposit HK$6.27M · loan HK$6.27M · min. income ≈ HK$67,092/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$470,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,330
−HK$2,153/mo
▼ 0.25% · 3.875%
HK$35,398
−HK$1,085/mo
Today · 4.125%
HK$36,483
baseline
▲ 0.50% · 4.625%
HK$38,702
+HK$2,219/mo
Deposit HK$5.02M · loan HK$7.53M · min. income ≈ HK$72,966/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$470,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,191
−HK$2,064/mo
▼ 0.25% · 3.875%
HK$39,216
−HK$1,039/mo
Today · 4.125%
HK$40,255
baseline
▲ 0.50% · 4.625%
HK$42,377
+HK$2,122/mo
Deposit HK$5.02M · loan HK$7.53M · min. income ≈ HK$80,510/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$470,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,051
−HK$2,512/mo
▼ 0.25% · 3.875%
HK$41,297
−HK$1,266/mo
Today · 4.125%
HK$42,563
baseline
▲ 0.50% · 4.625%
HK$45,153
+HK$2,590/mo
Deposit HK$3.76M · loan HK$8.78M · min. income ≈ HK$85,126/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$470,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,557
−HK$2,407/mo
▼ 0.25% · 3.875%
HK$45,752
−HK$1,212/mo
Today · 4.125%
HK$46,964
baseline
▲ 0.50% · 4.625%
HK$49,440
+HK$2,476/mo
Deposit HK$3.76M · loan HK$8.78M · min. income ≈ HK$93,928/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$470,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,495
−HK$3,229/mo
▼ 0.25% · 3.875%
HK$53,096
−HK$1,628/mo
Today · 4.125%
HK$54,724
baseline
▲ 0.50% · 4.625%
HK$58,054
+HK$3,330/mo
Deposit HK$1.25M · loan HK$11.29M · min. income ≈ HK$109,448/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$470,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,287
−HK$3,095/mo
▼ 0.25% · 3.875%
HK$58,824
−HK$1,558/mo
Today · 4.125%
HK$60,382
baseline
▲ 0.50% · 4.625%
HK$63,565
+HK$3,183/mo
Deposit HK$1.25M · loan HK$11.29M · min. income ≈ HK$120,764/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$470,476 · Scale 2, in force from 26 Feb 2026)