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$28,641
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$29,532
−HK$905/mo
Today · 4.125%
HK$30,437
baseline
▲ 0.50% · 4.625%
HK$32,289
+HK$1,852/mo
Deposit HK$6.28M · loan HK$6.28M · min. income ≈ HK$60,874/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$471,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,863
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$32,718
−HK$866/mo
Today · 4.125%
HK$33,584
baseline
▲ 0.50% · 4.625%
HK$35,355
+HK$1,771/mo
Deposit HK$6.28M · loan HK$6.28M · min. income ≈ HK$67,168/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$471,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,369
−HK$2,156/mo
▼ 0.25% · 3.875%
HK$35,439
−HK$1,086/mo
Today · 4.125%
HK$36,525
baseline
▲ 0.50% · 4.625%
HK$38,747
+HK$2,222/mo
Deposit HK$5.02M · loan HK$7.54M · min. income ≈ HK$73,050/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$471,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,236
−HK$2,065/mo
▼ 0.25% · 3.875%
HK$39,261
−HK$1,040/mo
Today · 4.125%
HK$40,301
baseline
▲ 0.50% · 4.625%
HK$42,426
+HK$2,125/mo
Deposit HK$5.02M · loan HK$7.54M · min. income ≈ HK$80,602/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$471,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,098
−HK$2,514/mo
▼ 0.25% · 3.875%
HK$41,345
−HK$1,267/mo
Today · 4.125%
HK$42,612
baseline
▲ 0.50% · 4.625%
HK$45,205
+HK$2,593/mo
Deposit HK$3.77M · loan HK$8.79M · min. income ≈ HK$85,224/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$471,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,608
−HK$2,410/mo
▼ 0.25% · 3.875%
HK$45,805
−HK$1,213/mo
Today · 4.125%
HK$47,018
baseline
▲ 0.50% · 4.625%
HK$49,497
+HK$2,479/mo
Deposit HK$3.77M · loan HK$8.79M · min. income ≈ HK$94,036/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$471,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,554
−HK$3,233/mo
▼ 0.25% · 3.875%
HK$53,158
−HK$1,629/mo
Today · 4.125%
HK$54,787
baseline
▲ 0.50% · 4.625%
HK$58,121
+HK$3,334/mo
Deposit HK$1.26M · loan HK$11.30M · min. income ≈ HK$109,574/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$471,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,353
−HK$3,099/mo
▼ 0.25% · 3.875%
HK$58,892
−HK$1,560/mo
Today · 4.125%
HK$60,452
baseline
▲ 0.50% · 4.625%
HK$63,639
+HK$3,187/mo
Deposit HK$1.26M · loan HK$11.30M · min. income ≈ HK$120,904/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$471,020 · Scale 2, in force from 26 Feb 2026)