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$28,694
−HK$1,799/mo
▼ 0.25% · 3.875%
HK$29,587
−HK$906/mo
Today · 4.125%
HK$30,493
baseline
▲ 0.50% · 4.625%
HK$32,349
+HK$1,856/mo
Deposit HK$6.29M · loan HK$6.29M · min. income ≈ HK$60,986/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$471,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,922
−HK$1,725/mo
▼ 0.25% · 3.875%
HK$32,778
−HK$869/mo
Today · 4.125%
HK$33,647
baseline
▲ 0.50% · 4.625%
HK$35,420
+HK$1,773/mo
Deposit HK$6.29M · loan HK$6.29M · min. income ≈ HK$67,294/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$471,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,433
−HK$2,159/mo
▼ 0.25% · 3.875%
HK$35,504
−HK$1,088/mo
Today · 4.125%
HK$36,592
baseline
▲ 0.50% · 4.625%
HK$38,819
+HK$2,227/mo
Deposit HK$5.03M · loan HK$7.55M · min. income ≈ HK$73,184/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$471,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,306
−HK$2,070/mo
▼ 0.25% · 3.875%
HK$39,334
−HK$1,042/mo
Today · 4.125%
HK$40,376
baseline
▲ 0.50% · 4.625%
HK$42,504
+HK$2,128/mo
Deposit HK$5.03M · loan HK$7.55M · min. income ≈ HK$80,752/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$471,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,172
−HK$2,519/mo
▼ 0.25% · 3.875%
HK$41,421
−HK$1,270/mo
Today · 4.125%
HK$42,691
baseline
▲ 0.50% · 4.625%
HK$45,289
+HK$2,598/mo
Deposit HK$3.78M · loan HK$8.81M · min. income ≈ HK$85,382/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$471,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,691
−HK$2,414/mo
▼ 0.25% · 3.875%
HK$45,889
−HK$1,216/mo
Today · 4.125%
HK$47,105
baseline
▲ 0.50% · 4.625%
HK$49,588
+HK$2,483/mo
Deposit HK$3.78M · loan HK$8.81M · min. income ≈ HK$94,210/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$471,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,649
−HK$3,239/mo
▼ 0.25% · 3.875%
HK$53,256
−HK$1,632/mo
Today · 4.125%
HK$54,888
baseline
▲ 0.50% · 4.625%
HK$58,228
+HK$3,340/mo
Deposit HK$1.26M · loan HK$11.33M · min. income ≈ HK$109,776/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$471,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,459
−HK$3,105/mo
▼ 0.25% · 3.875%
HK$59,000
−HK$1,564/mo
Today · 4.125%
HK$60,564
baseline
▲ 0.50% · 4.625%
HK$63,756
+HK$3,192/mo
Deposit HK$1.26M · loan HK$11.33M · min. income ≈ HK$121,128/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$471,890 · Scale 2, in force from 26 Feb 2026)