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$28,711
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$29,604
−HK$907/mo
Today · 4.125%
HK$30,511
baseline
▲ 0.50% · 4.625%
HK$32,367
+HK$1,856/mo
Deposit HK$6.30M · loan HK$6.30M · min. income ≈ HK$61,022/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$472,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,940
−HK$1,726/mo
▼ 0.25% · 3.875%
HK$32,797
−HK$869/mo
Today · 4.125%
HK$33,666
baseline
▲ 0.50% · 4.625%
HK$35,440
+HK$1,774/mo
Deposit HK$6.30M · loan HK$6.30M · min. income ≈ HK$67,332/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$472,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,453
−HK$2,160/mo
▼ 0.25% · 3.875%
HK$35,524
−HK$1,089/mo
Today · 4.125%
HK$36,613
baseline
▲ 0.50% · 4.625%
HK$38,841
+HK$2,228/mo
Deposit HK$5.04M · loan HK$7.55M · min. income ≈ HK$73,226/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$472,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,328
−HK$2,071/mo
▼ 0.25% · 3.875%
HK$39,356
−HK$1,043/mo
Today · 4.125%
HK$40,399
baseline
▲ 0.50% · 4.625%
HK$42,528
+HK$2,129/mo
Deposit HK$5.04M · loan HK$7.55M · min. income ≈ HK$80,798/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$472,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,195
−HK$2,520/mo
▼ 0.25% · 3.875%
HK$41,445
−HK$1,270/mo
Today · 4.125%
HK$42,715
baseline
▲ 0.50% · 4.625%
HK$45,314
+HK$2,599/mo
Deposit HK$3.78M · loan HK$8.81M · min. income ≈ HK$85,430/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$472,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,716
−HK$2,416/mo
▼ 0.25% · 3.875%
HK$45,916
−HK$1,216/mo
Today · 4.125%
HK$47,132
baseline
▲ 0.50% · 4.625%
HK$49,617
+HK$2,485/mo
Deposit HK$3.78M · loan HK$8.81M · min. income ≈ HK$94,264/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$472,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,679
−HK$3,241/mo
▼ 0.25% · 3.875%
HK$53,286
−HK$1,634/mo
Today · 4.125%
HK$54,920
baseline
▲ 0.50% · 4.625%
HK$58,261
+HK$3,341/mo
Deposit HK$1.26M · loan HK$11.33M · min. income ≈ HK$109,840/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$472,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,492
−HK$3,106/mo
▼ 0.25% · 3.875%
HK$59,034
−HK$1,564/mo
Today · 4.125%
HK$60,598
baseline
▲ 0.50% · 4.625%
HK$63,793
+HK$3,195/mo
Deposit HK$1.26M · loan HK$11.33M · min. income ≈ HK$121,196/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$472,160 · Scale 2, in force from 26 Feb 2026)