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$28,684
−HK$1,798/mo
▼ 0.25% · 3.875%
HK$29,576
−HK$906/mo
Today · 4.125%
HK$30,482
baseline
▲ 0.50% · 4.625%
HK$32,337
+HK$1,855/mo
Deposit HK$6.29M · loan HK$6.29M · min. income ≈ HK$60,964/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$471,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,910
−HK$1,724/mo
▼ 0.25% · 3.875%
HK$32,766
−HK$868/mo
Today · 4.125%
HK$33,634
baseline
▲ 0.50% · 4.625%
HK$35,407
+HK$1,773/mo
Deposit HK$6.29M · loan HK$6.29M · min. income ≈ HK$67,268/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$471,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,420
−HK$2,159/mo
▼ 0.25% · 3.875%
HK$35,491
−HK$1,088/mo
Today · 4.125%
HK$36,579
baseline
▲ 0.50% · 4.625%
HK$38,805
+HK$2,226/mo
Deposit HK$5.03M · loan HK$7.55M · min. income ≈ HK$73,158/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$471,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,292
−HK$2,069/mo
▼ 0.25% · 3.875%
HK$39,319
−HK$1,042/mo
Today · 4.125%
HK$40,361
baseline
▲ 0.50% · 4.625%
HK$42,489
+HK$2,128/mo
Deposit HK$5.03M · loan HK$7.55M · min. income ≈ HK$80,722/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$471,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,157
−HK$2,518/mo
▼ 0.25% · 3.875%
HK$41,406
−HK$1,269/mo
Today · 4.125%
HK$42,675
baseline
▲ 0.50% · 4.625%
HK$45,272
+HK$2,597/mo
Deposit HK$3.77M · loan HK$8.81M · min. income ≈ HK$85,350/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$471,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,674
−HK$2,414/mo
▼ 0.25% · 3.875%
HK$45,872
−HK$1,216/mo
Today · 4.125%
HK$47,088
baseline
▲ 0.50% · 4.625%
HK$49,570
+HK$2,482/mo
Deposit HK$3.77M · loan HK$8.81M · min. income ≈ HK$94,176/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$471,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,630
−HK$3,238/mo
▼ 0.25% · 3.875%
HK$53,236
−HK$1,632/mo
Today · 4.125%
HK$54,868
baseline
▲ 0.50% · 4.625%
HK$58,207
+HK$3,339/mo
Deposit HK$1.26M · loan HK$11.32M · min. income ≈ HK$109,736/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$471,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,438
−HK$3,104/mo
▼ 0.25% · 3.875%
HK$58,979
−HK$1,563/mo
Today · 4.125%
HK$60,542
baseline
▲ 0.50% · 4.625%
HK$63,733
+HK$3,191/mo
Deposit HK$1.26M · loan HK$11.32M · min. income ≈ HK$121,084/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$471,717 · Scale 2, in force from 26 Feb 2026)