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$28,712
−HK$1,801/mo
▼ 0.25% · 3.875%
HK$29,605
−HK$908/mo
Today · 4.125%
HK$30,513
baseline
▲ 0.50% · 4.625%
HK$32,369
+HK$1,856/mo
Deposit HK$6.30M · loan HK$6.30M · min. income ≈ HK$61,026/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$472,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,942
−HK$1,726/mo
▼ 0.25% · 3.875%
HK$32,799
−HK$869/mo
Today · 4.125%
HK$33,668
baseline
▲ 0.50% · 4.625%
HK$35,443
+HK$1,775/mo
Deposit HK$6.30M · loan HK$6.30M · min. income ≈ HK$67,336/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$472,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,455
−HK$2,160/mo
▼ 0.25% · 3.875%
HK$35,526
−HK$1,089/mo
Today · 4.125%
HK$36,615
baseline
▲ 0.50% · 4.625%
HK$38,843
+HK$2,228/mo
Deposit HK$5.04M · loan HK$7.56M · min. income ≈ HK$73,230/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$472,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,331
−HK$2,070/mo
▼ 0.25% · 3.875%
HK$39,359
−HK$1,042/mo
Today · 4.125%
HK$40,401
baseline
▲ 0.50% · 4.625%
HK$42,531
+HK$2,130/mo
Deposit HK$5.04M · loan HK$7.56M · min. income ≈ HK$80,802/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$472,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,197
−HK$2,521/mo
▼ 0.25% · 3.875%
HK$41,448
−HK$1,270/mo
Today · 4.125%
HK$42,718
baseline
▲ 0.50% · 4.625%
HK$45,317
+HK$2,599/mo
Deposit HK$3.78M · loan HK$8.81M · min. income ≈ HK$85,436/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$472,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,719
−HK$2,416/mo
▼ 0.25% · 3.875%
HK$45,918
−HK$1,217/mo
Today · 4.125%
HK$47,135
baseline
▲ 0.50% · 4.625%
HK$49,620
+HK$2,485/mo
Deposit HK$3.78M · loan HK$8.81M · min. income ≈ HK$94,270/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$472,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,682
−HK$3,241/mo
▼ 0.25% · 3.875%
HK$53,290
−HK$1,633/mo
Today · 4.125%
HK$54,923
baseline
▲ 0.50% · 4.625%
HK$58,265
+HK$3,342/mo
Deposit HK$1.26M · loan HK$11.33M · min. income ≈ HK$109,846/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$472,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,496
−HK$3,106/mo
▼ 0.25% · 3.875%
HK$59,038
−HK$1,564/mo
Today · 4.125%
HK$60,602
baseline
▲ 0.50% · 4.625%
HK$63,797
+HK$3,195/mo
Deposit HK$1.26M · loan HK$11.33M · min. income ≈ HK$121,204/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$472,189 · Scale 2, in force from 26 Feb 2026)