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$28,748
−HK$1,803/mo
▼ 0.25% · 3.875%
HK$29,642
−HK$909/mo
Today · 4.125%
HK$30,551
baseline
▲ 0.50% · 4.625%
HK$32,410
+HK$1,859/mo
Deposit HK$6.30M · loan HK$6.30M · min. income ≈ HK$61,102/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$472,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,982
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$32,840
−HK$870/mo
Today · 4.125%
HK$33,710
baseline
▲ 0.50% · 4.625%
HK$35,487
+HK$1,777/mo
Deposit HK$6.30M · loan HK$6.30M · min. income ≈ HK$67,420/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$472,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,498
−HK$2,163/mo
▼ 0.25% · 3.875%
HK$35,571
−HK$1,090/mo
Today · 4.125%
HK$36,661
baseline
▲ 0.50% · 4.625%
HK$38,892
+HK$2,231/mo
Deposit HK$5.04M · loan HK$7.56M · min. income ≈ HK$73,322/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$472,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,378
−HK$2,074/mo
▼ 0.25% · 3.875%
HK$39,408
−HK$1,044/mo
Today · 4.125%
HK$40,452
baseline
▲ 0.50% · 4.625%
HK$42,584
+HK$2,132/mo
Deposit HK$5.04M · loan HK$7.56M · min. income ≈ HK$80,904/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$472,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,247
−HK$2,524/mo
▼ 0.25% · 3.875%
HK$41,499
−HK$1,272/mo
Today · 4.125%
HK$42,771
baseline
▲ 0.50% · 4.625%
HK$45,374
+HK$2,603/mo
Deposit HK$3.78M · loan HK$8.83M · min. income ≈ HK$85,542/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$472,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,775
−HK$2,419/mo
▼ 0.25% · 3.875%
HK$45,976
−HK$1,218/mo
Today · 4.125%
HK$47,194
baseline
▲ 0.50% · 4.625%
HK$49,681
+HK$2,487/mo
Deposit HK$3.78M · loan HK$8.83M · min. income ≈ HK$94,388/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$472,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,747
−HK$3,244/mo
▼ 0.25% · 3.875%
HK$53,356
−HK$1,635/mo
Today · 4.125%
HK$54,991
baseline
▲ 0.50% · 4.625%
HK$58,338
+HK$3,347/mo
Deposit HK$1.26M · loan HK$11.35M · min. income ≈ HK$109,982/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$472,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,567
−HK$3,111/mo
▼ 0.25% · 3.875%
HK$59,111
−HK$1,567/mo
Today · 4.125%
HK$60,678
baseline
▲ 0.50% · 4.625%
HK$63,876
+HK$3,198/mo
Deposit HK$1.26M · loan HK$11.35M · min. income ≈ HK$121,356/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$472,777 · Scale 2, in force from 26 Feb 2026)