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$28,757
−HK$1,803/mo
▼ 0.25% · 3.875%
HK$29,651
−HK$909/mo
Today · 4.125%
HK$30,560
baseline
▲ 0.50% · 4.625%
HK$32,420
+HK$1,860/mo
Deposit HK$6.31M · loan HK$6.31M · min. income ≈ HK$61,120/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$472,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,992
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$32,850
−HK$870/mo
Today · 4.125%
HK$33,720
baseline
▲ 0.50% · 4.625%
HK$35,498
+HK$1,778/mo
Deposit HK$6.31M · loan HK$6.31M · min. income ≈ HK$67,440/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$472,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,508
−HK$2,164/mo
▼ 0.25% · 3.875%
HK$35,582
−HK$1,090/mo
Today · 4.125%
HK$36,672
baseline
▲ 0.50% · 4.625%
HK$38,904
+HK$2,232/mo
Deposit HK$5.04M · loan HK$7.57M · min. income ≈ HK$73,344/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$472,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,390
−HK$2,074/mo
▼ 0.25% · 3.875%
HK$39,420
−HK$1,044/mo
Today · 4.125%
HK$40,464
baseline
▲ 0.50% · 4.625%
HK$42,597
+HK$2,133/mo
Deposit HK$5.04M · loan HK$7.57M · min. income ≈ HK$80,928/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$472,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,260
−HK$2,524/mo
▼ 0.25% · 3.875%
HK$41,512
−HK$1,272/mo
Today · 4.125%
HK$42,784
baseline
▲ 0.50% · 4.625%
HK$45,388
+HK$2,604/mo
Deposit HK$3.78M · loan HK$8.83M · min. income ≈ HK$85,568/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$472,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,788
−HK$2,420/mo
▼ 0.25% · 3.875%
HK$45,990
−HK$1,218/mo
Today · 4.125%
HK$47,208
baseline
▲ 0.50% · 4.625%
HK$49,697
+HK$2,489/mo
Deposit HK$3.78M · loan HK$8.83M · min. income ≈ HK$94,416/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$472,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,762
−HK$3,246/mo
▼ 0.25% · 3.875%
HK$53,372
−HK$1,636/mo
Today · 4.125%
HK$55,008
baseline
▲ 0.50% · 4.625%
HK$58,355
+HK$3,347/mo
Deposit HK$1.26M · loan HK$11.35M · min. income ≈ HK$110,016/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$472,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,585
−HK$3,111/mo
▼ 0.25% · 3.875%
HK$59,129
−HK$1,567/mo
Today · 4.125%
HK$60,696
baseline
▲ 0.50% · 4.625%
HK$63,896
+HK$3,200/mo
Deposit HK$1.26M · loan HK$11.35M · min. income ≈ HK$121,392/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$472,921 · Scale 2, in force from 26 Feb 2026)