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$28,726
−HK$1,801/mo
▼ 0.25% · 3.875%
HK$29,620
−HK$907/mo
Today · 4.125%
HK$30,527
baseline
▲ 0.50% · 4.625%
HK$32,385
+HK$1,858/mo
Deposit HK$6.30M · loan HK$6.30M · min. income ≈ HK$61,054/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$472,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,957
−HK$1,727/mo
▼ 0.25% · 3.875%
HK$32,815
−HK$869/mo
Today · 4.125%
HK$33,684
baseline
▲ 0.50% · 4.625%
HK$35,460
+HK$1,776/mo
Deposit HK$6.30M · loan HK$6.30M · min. income ≈ HK$67,368/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$472,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,471
−HK$2,162/mo
▼ 0.25% · 3.875%
HK$35,544
−HK$1,089/mo
Today · 4.125%
HK$36,633
baseline
▲ 0.50% · 4.625%
HK$38,862
+HK$2,229/mo
Deposit HK$5.04M · loan HK$7.56M · min. income ≈ HK$73,266/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$472,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,349
−HK$2,072/mo
▼ 0.25% · 3.875%
HK$39,377
−HK$1,044/mo
Today · 4.125%
HK$40,421
baseline
▲ 0.50% · 4.625%
HK$42,552
+HK$2,131/mo
Deposit HK$5.04M · loan HK$7.56M · min. income ≈ HK$80,842/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$472,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,217
−HK$2,521/mo
▼ 0.25% · 3.875%
HK$41,467
−HK$1,271/mo
Today · 4.125%
HK$42,738
baseline
▲ 0.50% · 4.625%
HK$45,339
+HK$2,601/mo
Deposit HK$3.78M · loan HK$8.82M · min. income ≈ HK$85,476/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$472,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,740
−HK$2,418/mo
▼ 0.25% · 3.875%
HK$45,940
−HK$1,218/mo
Today · 4.125%
HK$47,158
baseline
▲ 0.50% · 4.625%
HK$49,643
+HK$2,485/mo
Deposit HK$3.78M · loan HK$8.82M · min. income ≈ HK$94,316/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$472,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,707
−HK$3,242/mo
▼ 0.25% · 3.875%
HK$53,315
−HK$1,634/mo
Today · 4.125%
HK$54,949
baseline
▲ 0.50% · 4.625%
HK$58,293
+HK$3,344/mo
Deposit HK$1.26M · loan HK$11.34M · min. income ≈ HK$109,898/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$472,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,523
−HK$3,108/mo
▼ 0.25% · 3.875%
HK$59,066
−HK$1,565/mo
Today · 4.125%
HK$60,631
baseline
▲ 0.50% · 4.625%
HK$63,827
+HK$3,196/mo
Deposit HK$1.26M · loan HK$11.34M · min. income ≈ HK$121,262/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$472,416 · Scale 2, in force from 26 Feb 2026)