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$28,635
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$29,526
−HK$905/mo
Today · 4.125%
HK$30,431
baseline
▲ 0.50% · 4.625%
HK$32,282
+HK$1,851/mo
Deposit HK$6.28M · loan HK$6.28M · min. income ≈ HK$60,862/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$470,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,856
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$32,711
−HK$866/mo
Today · 4.125%
HK$33,577
baseline
▲ 0.50% · 4.625%
HK$35,347
+HK$1,770/mo
Deposit HK$6.28M · loan HK$6.28M · min. income ≈ HK$67,154/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$470,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,362
−HK$2,155/mo
▼ 0.25% · 3.875%
HK$35,431
−HK$1,086/mo
Today · 4.125%
HK$36,517
baseline
▲ 0.50% · 4.625%
HK$38,739
+HK$2,222/mo
Deposit HK$5.02M · loan HK$7.53M · min. income ≈ HK$73,034/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$470,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,227
−HK$2,066/mo
▼ 0.25% · 3.875%
HK$39,253
−HK$1,040/mo
Today · 4.125%
HK$40,293
baseline
▲ 0.50% · 4.625%
HK$42,417
+HK$2,124/mo
Deposit HK$5.02M · loan HK$7.53M · min. income ≈ HK$80,586/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$470,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,089
−HK$2,514/mo
▼ 0.25% · 3.875%
HK$41,336
−HK$1,267/mo
Today · 4.125%
HK$42,603
baseline
▲ 0.50% · 4.625%
HK$45,195
+HK$2,592/mo
Deposit HK$3.77M · loan HK$8.79M · min. income ≈ HK$85,206/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$470,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,599
−HK$2,409/mo
▼ 0.25% · 3.875%
HK$45,795
−HK$1,213/mo
Today · 4.125%
HK$47,008
baseline
▲ 0.50% · 4.625%
HK$49,486
+HK$2,478/mo
Deposit HK$3.77M · loan HK$8.79M · min. income ≈ HK$94,016/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$470,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,543
−HK$3,232/mo
▼ 0.25% · 3.875%
HK$53,146
−HK$1,629/mo
Today · 4.125%
HK$54,775
baseline
▲ 0.50% · 4.625%
HK$58,108
+HK$3,333/mo
Deposit HK$1.26M · loan HK$11.30M · min. income ≈ HK$109,550/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$470,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,341
−HK$3,098/mo
▼ 0.25% · 3.875%
HK$58,879
−HK$1,560/mo
Today · 4.125%
HK$60,439
baseline
▲ 0.50% · 4.625%
HK$63,625
+HK$3,186/mo
Deposit HK$1.26M · loan HK$11.30M · min. income ≈ HK$120,878/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$470,919 · Scale 2, in force from 26 Feb 2026)