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$28,666
−HK$1,798/mo
▼ 0.25% · 3.875%
HK$29,558
−HK$906/mo
Today · 4.125%
HK$30,464
baseline
▲ 0.50% · 4.625%
HK$32,317
+HK$1,853/mo
Deposit HK$6.29M · loan HK$6.29M · min. income ≈ HK$60,928/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$471,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,891
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$32,746
−HK$867/mo
Today · 4.125%
HK$33,613
baseline
▲ 0.50% · 4.625%
HK$35,385
+HK$1,772/mo
Deposit HK$6.29M · loan HK$6.29M · min. income ≈ HK$67,226/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$471,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,399
−HK$2,157/mo
▼ 0.25% · 3.875%
HK$35,469
−HK$1,087/mo
Today · 4.125%
HK$36,556
baseline
▲ 0.50% · 4.625%
HK$38,781
+HK$2,225/mo
Deposit HK$5.03M · loan HK$7.54M · min. income ≈ HK$73,112/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$471,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,269
−HK$2,067/mo
▼ 0.25% · 3.875%
HK$39,295
−HK$1,041/mo
Today · 4.125%
HK$40,336
baseline
▲ 0.50% · 4.625%
HK$42,462
+HK$2,126/mo
Deposit HK$5.03M · loan HK$7.54M · min. income ≈ HK$80,672/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$471,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,132
−HK$2,517/mo
▼ 0.25% · 3.875%
HK$41,381
−HK$1,268/mo
Today · 4.125%
HK$42,649
baseline
▲ 0.50% · 4.625%
HK$45,244
+HK$2,595/mo
Deposit HK$3.77M · loan HK$8.80M · min. income ≈ HK$85,298/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$471,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,647
−HK$2,412/mo
▼ 0.25% · 3.875%
HK$45,844
−HK$1,215/mo
Today · 4.125%
HK$47,059
baseline
▲ 0.50% · 4.625%
HK$49,539
+HK$2,480/mo
Deposit HK$3.77M · loan HK$8.80M · min. income ≈ HK$94,118/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$471,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,599
−HK$3,235/mo
▼ 0.25% · 3.875%
HK$53,204
−HK$1,630/mo
Today · 4.125%
HK$54,834
baseline
▲ 0.50% · 4.625%
HK$58,171
+HK$3,337/mo
Deposit HK$1.26M · loan HK$11.31M · min. income ≈ HK$109,668/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$471,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,403
−HK$3,101/mo
▼ 0.25% · 3.875%
HK$58,942
−HK$1,562/mo
Today · 4.125%
HK$60,504
baseline
▲ 0.50% · 4.625%
HK$63,694
+HK$3,190/mo
Deposit HK$1.26M · loan HK$11.31M · min. income ≈ HK$121,008/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$471,426 · Scale 2, in force from 26 Feb 2026)