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$28,746
−HK$1,802/mo
▼ 0.25% · 3.875%
HK$29,640
−HK$908/mo
Today · 4.125%
HK$30,548
baseline
▲ 0.50% · 4.625%
HK$32,407
+HK$1,859/mo
Deposit HK$6.30M · loan HK$6.30M · min. income ≈ HK$61,096/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$472,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,979
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$32,837
−HK$870/mo
Today · 4.125%
HK$33,707
baseline
▲ 0.50% · 4.625%
HK$35,484
+HK$1,777/mo
Deposit HK$6.30M · loan HK$6.30M · min. income ≈ HK$67,414/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$472,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,495
−HK$2,163/mo
▼ 0.25% · 3.875%
HK$35,568
−HK$1,090/mo
Today · 4.125%
HK$36,658
baseline
▲ 0.50% · 4.625%
HK$38,888
+HK$2,230/mo
Deposit HK$5.04M · loan HK$7.56M · min. income ≈ HK$73,316/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$472,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,375
−HK$2,073/mo
▼ 0.25% · 3.875%
HK$39,404
−HK$1,044/mo
Today · 4.125%
HK$40,448
baseline
▲ 0.50% · 4.625%
HK$42,580
+HK$2,132/mo
Deposit HK$5.04M · loan HK$7.56M · min. income ≈ HK$80,896/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$472,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,244
−HK$2,524/mo
▼ 0.25% · 3.875%
HK$41,496
−HK$1,272/mo
Today · 4.125%
HK$42,768
baseline
▲ 0.50% · 4.625%
HK$45,370
+HK$2,602/mo
Deposit HK$3.78M · loan HK$8.82M · min. income ≈ HK$85,536/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$472,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,771
−HK$2,419/mo
▼ 0.25% · 3.875%
HK$45,972
−HK$1,218/mo
Today · 4.125%
HK$47,190
baseline
▲ 0.50% · 4.625%
HK$49,677
+HK$2,487/mo
Deposit HK$3.78M · loan HK$8.82M · min. income ≈ HK$94,380/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$472,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,742
−HK$3,245/mo
▼ 0.25% · 3.875%
HK$53,352
−HK$1,635/mo
Today · 4.125%
HK$54,987
baseline
▲ 0.50% · 4.625%
HK$58,333
+HK$3,346/mo
Deposit HK$1.26M · loan HK$11.35M · min. income ≈ HK$109,974/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$472,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,563
−HK$3,110/mo
▼ 0.25% · 3.875%
HK$59,106
−HK$1,567/mo
Today · 4.125%
HK$60,673
baseline
▲ 0.50% · 4.625%
HK$63,871
+HK$3,198/mo
Deposit HK$1.26M · loan HK$11.35M · min. income ≈ HK$121,346/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$472,737 · Scale 2, in force from 26 Feb 2026)