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$28,646
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$29,537
−HK$905/mo
Today · 4.125%
HK$30,442
baseline
▲ 0.50% · 4.625%
HK$32,294
+HK$1,852/mo
Deposit HK$6.28M · loan HK$6.28M · min. income ≈ HK$60,884/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$471,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,868
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$32,723
−HK$867/mo
Today · 4.125%
HK$33,590
baseline
▲ 0.50% · 4.625%
HK$35,360
+HK$1,770/mo
Deposit HK$6.28M · loan HK$6.28M · min. income ≈ HK$67,180/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$471,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,375
−HK$2,155/mo
▼ 0.25% · 3.875%
HK$35,444
−HK$1,086/mo
Today · 4.125%
HK$36,530
baseline
▲ 0.50% · 4.625%
HK$38,753
+HK$2,223/mo
Deposit HK$5.02M · loan HK$7.54M · min. income ≈ HK$73,060/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$471,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,241
−HK$2,067/mo
▼ 0.25% · 3.875%
HK$39,267
−HK$1,041/mo
Today · 4.125%
HK$40,308
baseline
▲ 0.50% · 4.625%
HK$42,432
+HK$2,124/mo
Deposit HK$5.02M · loan HK$7.54M · min. income ≈ HK$80,616/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$471,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,104
−HK$2,515/mo
▼ 0.25% · 3.875%
HK$41,351
−HK$1,268/mo
Today · 4.125%
HK$42,619
baseline
▲ 0.50% · 4.625%
HK$45,212
+HK$2,593/mo
Deposit HK$3.77M · loan HK$8.79M · min. income ≈ HK$85,238/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$471,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,615
−HK$2,410/mo
▼ 0.25% · 3.875%
HK$45,812
−HK$1,213/mo
Today · 4.125%
HK$47,025
baseline
▲ 0.50% · 4.625%
HK$49,504
+HK$2,479/mo
Deposit HK$3.77M · loan HK$8.79M · min. income ≈ HK$94,050/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$471,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,562
−HK$3,233/mo
▼ 0.25% · 3.875%
HK$53,166
−HK$1,629/mo
Today · 4.125%
HK$54,795
baseline
▲ 0.50% · 4.625%
HK$58,130
+HK$3,335/mo
Deposit HK$1.26M · loan HK$11.31M · min. income ≈ HK$109,590/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$471,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,362
−HK$3,099/mo
▼ 0.25% · 3.875%
HK$58,901
−HK$1,560/mo
Today · 4.125%
HK$60,461
baseline
▲ 0.50% · 4.625%
HK$63,648
+HK$3,187/mo
Deposit HK$1.26M · loan HK$11.31M · min. income ≈ HK$120,922/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$471,092 · Scale 2, in force from 26 Feb 2026)