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$28,646
−HK$1,797/mo
▼ 0.25% · 3.875%
HK$29,537
−HK$906/mo
Today · 4.125%
HK$30,443
baseline
▲ 0.50% · 4.625%
HK$32,295
+HK$1,852/mo
Deposit HK$6.28M · loan HK$6.28M · min. income ≈ HK$60,886/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$471,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,869
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$32,723
−HK$868/mo
Today · 4.125%
HK$33,591
baseline
▲ 0.50% · 4.625%
HK$35,361
+HK$1,770/mo
Deposit HK$6.28M · loan HK$6.28M · min. income ≈ HK$67,182/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$471,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,376
−HK$2,155/mo
▼ 0.25% · 3.875%
HK$35,445
−HK$1,086/mo
Today · 4.125%
HK$36,531
baseline
▲ 0.50% · 4.625%
HK$38,754
+HK$2,223/mo
Deposit HK$5.03M · loan HK$7.54M · min. income ≈ HK$73,062/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$471,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,243
−HK$2,066/mo
▼ 0.25% · 3.875%
HK$39,268
−HK$1,041/mo
Today · 4.125%
HK$40,309
baseline
▲ 0.50% · 4.625%
HK$42,433
+HK$2,124/mo
Deposit HK$5.03M · loan HK$7.54M · min. income ≈ HK$80,618/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$471,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,105
−HK$2,515/mo
▼ 0.25% · 3.875%
HK$41,352
−HK$1,268/mo
Today · 4.125%
HK$42,620
baseline
▲ 0.50% · 4.625%
HK$45,213
+HK$2,593/mo
Deposit HK$3.77M · loan HK$8.79M · min. income ≈ HK$85,240/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$471,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,616
−HK$2,411/mo
▼ 0.25% · 3.875%
HK$45,813
−HK$1,214/mo
Today · 4.125%
HK$47,027
baseline
▲ 0.50% · 4.625%
HK$49,506
+HK$2,479/mo
Deposit HK$3.77M · loan HK$8.79M · min. income ≈ HK$94,054/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$471,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,563
−HK$3,234/mo
▼ 0.25% · 3.875%
HK$53,167
−HK$1,630/mo
Today · 4.125%
HK$54,797
baseline
▲ 0.50% · 4.625%
HK$58,131
+HK$3,334/mo
Deposit HK$1.26M · loan HK$11.31M · min. income ≈ HK$109,594/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$471,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,364
−HK$3,099/mo
▼ 0.25% · 3.875%
HK$58,902
−HK$1,561/mo
Today · 4.125%
HK$60,463
baseline
▲ 0.50% · 4.625%
HK$63,650
+HK$3,187/mo
Deposit HK$1.26M · loan HK$11.31M · min. income ≈ HK$120,926/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$471,105 · Scale 2, in force from 26 Feb 2026)