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$28,652
−HK$1,797/mo
▼ 0.25% · 3.875%
HK$29,544
−HK$905/mo
Today · 4.125%
HK$30,449
baseline
▲ 0.50% · 4.625%
HK$32,302
+HK$1,853/mo
Deposit HK$6.28M · loan HK$6.28M · min. income ≈ HK$60,898/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$471,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,876
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$32,730
−HK$868/mo
Today · 4.125%
HK$33,598
baseline
▲ 0.50% · 4.625%
HK$35,369
+HK$1,771/mo
Deposit HK$6.28M · loan HK$6.28M · min. income ≈ HK$67,196/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$471,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,383
−HK$2,156/mo
▼ 0.25% · 3.875%
HK$35,452
−HK$1,087/mo
Today · 4.125%
HK$36,539
baseline
▲ 0.50% · 4.625%
HK$38,762
+HK$2,223/mo
Deposit HK$5.03M · loan HK$7.54M · min. income ≈ HK$73,078/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$471,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,251
−HK$2,066/mo
▼ 0.25% · 3.875%
HK$39,277
−HK$1,040/mo
Today · 4.125%
HK$40,317
baseline
▲ 0.50% · 4.625%
HK$42,442
+HK$2,125/mo
Deposit HK$5.03M · loan HK$7.54M · min. income ≈ HK$80,634/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$471,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,113
−HK$2,516/mo
▼ 0.25% · 3.875%
HK$41,361
−HK$1,268/mo
Today · 4.125%
HK$42,629
baseline
▲ 0.50% · 4.625%
HK$45,223
+HK$2,594/mo
Deposit HK$3.77M · loan HK$8.80M · min. income ≈ HK$85,258/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$471,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,626
−HK$2,411/mo
▼ 0.25% · 3.875%
HK$45,823
−HK$1,214/mo
Today · 4.125%
HK$47,037
baseline
▲ 0.50% · 4.625%
HK$49,516
+HK$2,479/mo
Deposit HK$3.77M · loan HK$8.80M · min. income ≈ HK$94,074/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$471,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,574
−HK$3,235/mo
▼ 0.25% · 3.875%
HK$53,179
−HK$1,630/mo
Today · 4.125%
HK$54,809
baseline
▲ 0.50% · 4.625%
HK$58,144
+HK$3,335/mo
Deposit HK$1.26M · loan HK$11.31M · min. income ≈ HK$109,618/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$471,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,376
−HK$3,100/mo
▼ 0.25% · 3.875%
HK$58,915
−HK$1,561/mo
Today · 4.125%
HK$60,476
baseline
▲ 0.50% · 4.625%
HK$63,664
+HK$3,188/mo
Deposit HK$1.26M · loan HK$11.31M · min. income ≈ HK$120,952/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$471,205 · Scale 2, in force from 26 Feb 2026)