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$28,624
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$29,515
−HK$904/mo
Today · 4.125%
HK$30,419
baseline
▲ 0.50% · 4.625%
HK$32,270
+HK$1,851/mo
Deposit HK$6.28M · loan HK$6.28M · min. income ≈ HK$60,838/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$470,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,844
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$32,698
−HK$867/mo
Today · 4.125%
HK$33,565
baseline
▲ 0.50% · 4.625%
HK$35,334
+HK$1,769/mo
Deposit HK$6.28M · loan HK$6.28M · min. income ≈ HK$67,130/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$470,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,349
−HK$2,154/mo
▼ 0.25% · 3.875%
HK$35,418
−HK$1,085/mo
Today · 4.125%
HK$36,503
baseline
▲ 0.50% · 4.625%
HK$38,725
+HK$2,222/mo
Deposit HK$5.02M · loan HK$7.53M · min. income ≈ HK$73,006/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$470,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,213
−HK$2,065/mo
▼ 0.25% · 3.875%
HK$39,238
−HK$1,040/mo
Today · 4.125%
HK$40,278
baseline
▲ 0.50% · 4.625%
HK$42,401
+HK$2,123/mo
Deposit HK$5.02M · loan HK$7.53M · min. income ≈ HK$80,556/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$470,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,074
−HK$2,513/mo
▼ 0.25% · 3.875%
HK$41,321
−HK$1,266/mo
Today · 4.125%
HK$42,587
baseline
▲ 0.50% · 4.625%
HK$45,179
+HK$2,592/mo
Deposit HK$3.77M · loan HK$8.79M · min. income ≈ HK$85,174/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$470,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,582
−HK$2,409/mo
▼ 0.25% · 3.875%
HK$45,778
−HK$1,213/mo
Today · 4.125%
HK$46,991
baseline
▲ 0.50% · 4.625%
HK$49,468
+HK$2,477/mo
Deposit HK$3.77M · loan HK$8.79M · min. income ≈ HK$93,982/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$470,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,524
−HK$3,231/mo
▼ 0.25% · 3.875%
HK$53,127
−HK$1,628/mo
Today · 4.125%
HK$54,755
baseline
▲ 0.50% · 4.625%
HK$58,087
+HK$3,332/mo
Deposit HK$1.26M · loan HK$11.30M · min. income ≈ HK$109,510/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$470,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,320
−HK$3,097/mo
▼ 0.25% · 3.875%
HK$58,857
−HK$1,560/mo
Today · 4.125%
HK$60,417
baseline
▲ 0.50% · 4.625%
HK$63,601
+HK$3,184/mo
Deposit HK$1.26M · loan HK$11.30M · min. income ≈ HK$120,834/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$470,745 · Scale 2, in force from 26 Feb 2026)