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$28,638
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$29,529
−HK$905/mo
Today · 4.125%
HK$30,434
baseline
▲ 0.50% · 4.625%
HK$32,286
+HK$1,852/mo
Deposit HK$6.28M · loan HK$6.28M · min. income ≈ HK$60,868/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$470,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,860
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$32,714
−HK$867/mo
Today · 4.125%
HK$33,581
baseline
▲ 0.50% · 4.625%
HK$35,351
+HK$1,770/mo
Deposit HK$6.28M · loan HK$6.28M · min. income ≈ HK$67,162/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$470,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,366
−HK$2,155/mo
▼ 0.25% · 3.875%
HK$35,435
−HK$1,086/mo
Today · 4.125%
HK$36,521
baseline
▲ 0.50% · 4.625%
HK$38,743
+HK$2,222/mo
Deposit HK$5.02M · loan HK$7.54M · min. income ≈ HK$73,042/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$470,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,232
−HK$2,065/mo
▼ 0.25% · 3.875%
HK$39,257
−HK$1,040/mo
Today · 4.125%
HK$40,297
baseline
▲ 0.50% · 4.625%
HK$42,421
+HK$2,124/mo
Deposit HK$5.02M · loan HK$7.54M · min. income ≈ HK$80,594/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$470,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,094
−HK$2,514/mo
▼ 0.25% · 3.875%
HK$41,341
−HK$1,267/mo
Today · 4.125%
HK$42,608
baseline
▲ 0.50% · 4.625%
HK$45,200
+HK$2,592/mo
Deposit HK$3.77M · loan HK$8.79M · min. income ≈ HK$85,216/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$470,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,604
−HK$2,409/mo
▼ 0.25% · 3.875%
HK$45,800
−HK$1,213/mo
Today · 4.125%
HK$47,013
baseline
▲ 0.50% · 4.625%
HK$49,492
+HK$2,479/mo
Deposit HK$3.77M · loan HK$8.79M · min. income ≈ HK$94,026/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$470,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,549
−HK$3,232/mo
▼ 0.25% · 3.875%
HK$53,152
−HK$1,629/mo
Today · 4.125%
HK$54,781
baseline
▲ 0.50% · 4.625%
HK$58,115
+HK$3,334/mo
Deposit HK$1.26M · loan HK$11.30M · min. income ≈ HK$109,562/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$470,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,348
−HK$3,098/mo
▼ 0.25% · 3.875%
HK$58,886
−HK$1,560/mo
Today · 4.125%
HK$60,446
baseline
▲ 0.50% · 4.625%
HK$63,632
+HK$3,186/mo
Deposit HK$1.26M · loan HK$11.30M · min. income ≈ HK$120,892/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$470,971 · Scale 2, in force from 26 Feb 2026)