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$28,741
−HK$1,802/mo
▼ 0.25% · 3.875%
HK$29,635
−HK$908/mo
Today · 4.125%
HK$30,543
baseline
▲ 0.50% · 4.625%
HK$32,402
+HK$1,859/mo
Deposit HK$6.30M · loan HK$6.30M · min. income ≈ HK$61,086/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$472,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,974
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$32,832
−HK$870/mo
Today · 4.125%
HK$33,702
baseline
▲ 0.50% · 4.625%
HK$35,478
+HK$1,776/mo
Deposit HK$6.30M · loan HK$6.30M · min. income ≈ HK$67,404/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$472,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,489
−HK$2,163/mo
▼ 0.25% · 3.875%
HK$35,562
−HK$1,090/mo
Today · 4.125%
HK$36,652
baseline
▲ 0.50% · 4.625%
HK$38,882
+HK$2,230/mo
Deposit HK$5.04M · loan HK$7.56M · min. income ≈ HK$73,304/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$472,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,369
−HK$2,073/mo
▼ 0.25% · 3.875%
HK$39,398
−HK$1,044/mo
Today · 4.125%
HK$40,442
baseline
▲ 0.50% · 4.625%
HK$42,574
+HK$2,132/mo
Deposit HK$5.04M · loan HK$7.56M · min. income ≈ HK$80,884/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$472,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,237
−HK$2,524/mo
▼ 0.25% · 3.875%
HK$41,489
−HK$1,272/mo
Today · 4.125%
HK$42,761
baseline
▲ 0.50% · 4.625%
HK$45,363
+HK$2,602/mo
Deposit HK$3.78M · loan HK$8.82M · min. income ≈ HK$85,522/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$472,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,764
−HK$2,418/mo
▼ 0.25% · 3.875%
HK$45,964
−HK$1,218/mo
Today · 4.125%
HK$47,182
baseline
▲ 0.50% · 4.625%
HK$49,669
+HK$2,487/mo
Deposit HK$3.78M · loan HK$8.82M · min. income ≈ HK$94,364/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$472,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,734
−HK$3,244/mo
▼ 0.25% · 3.875%
HK$53,343
−HK$1,635/mo
Today · 4.125%
HK$54,978
baseline
▲ 0.50% · 4.625%
HK$58,323
+HK$3,345/mo
Deposit HK$1.26M · loan HK$11.34M · min. income ≈ HK$109,956/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$472,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,553
−HK$3,110/mo
▼ 0.25% · 3.875%
HK$59,097
−HK$1,566/mo
Today · 4.125%
HK$60,663
baseline
▲ 0.50% · 4.625%
HK$63,860
+HK$3,197/mo
Deposit HK$1.26M · loan HK$11.34M · min. income ≈ HK$121,326/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$472,662 · Scale 2, in force from 26 Feb 2026)