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$28,715
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$29,608
−HK$907/mo
Today · 4.125%
HK$30,515
baseline
▲ 0.50% · 4.625%
HK$32,372
+HK$1,857/mo
Deposit HK$6.30M · loan HK$6.30M · min. income ≈ HK$61,030/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$472,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,945
−HK$1,726/mo
▼ 0.25% · 3.875%
HK$32,802
−HK$869/mo
Today · 4.125%
HK$33,671
baseline
▲ 0.50% · 4.625%
HK$35,446
+HK$1,775/mo
Deposit HK$6.30M · loan HK$6.30M · min. income ≈ HK$67,342/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$472,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,458
−HK$2,161/mo
▼ 0.25% · 3.875%
HK$35,530
−HK$1,089/mo
Today · 4.125%
HK$36,619
baseline
▲ 0.50% · 4.625%
HK$38,847
+HK$2,228/mo
Deposit HK$5.04M · loan HK$7.56M · min. income ≈ HK$73,238/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$472,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,334
−HK$2,071/mo
▼ 0.25% · 3.875%
HK$39,362
−HK$1,043/mo
Today · 4.125%
HK$40,405
baseline
▲ 0.50% · 4.625%
HK$42,535
+HK$2,130/mo
Deposit HK$5.04M · loan HK$7.56M · min. income ≈ HK$80,810/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$472,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,201
−HK$2,521/mo
▼ 0.25% · 3.875%
HK$41,451
−HK$1,271/mo
Today · 4.125%
HK$42,722
baseline
▲ 0.50% · 4.625%
HK$45,321
+HK$2,599/mo
Deposit HK$3.78M · loan HK$8.81M · min. income ≈ HK$85,444/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$472,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,723
−HK$2,416/mo
▼ 0.25% · 3.875%
HK$45,922
−HK$1,217/mo
Today · 4.125%
HK$47,139
baseline
▲ 0.50% · 4.625%
HK$49,624
+HK$2,485/mo
Deposit HK$3.78M · loan HK$8.81M · min. income ≈ HK$94,278/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$472,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,687
−HK$3,241/mo
▼ 0.25% · 3.875%
HK$53,294
−HK$1,634/mo
Today · 4.125%
HK$54,928
baseline
▲ 0.50% · 4.625%
HK$58,270
+HK$3,342/mo
Deposit HK$1.26M · loan HK$11.33M · min. income ≈ HK$109,856/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$472,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,501
−HK$3,106/mo
▼ 0.25% · 3.875%
HK$59,043
−HK$1,564/mo
Today · 4.125%
HK$60,607
baseline
▲ 0.50% · 4.625%
HK$63,802
+HK$3,195/mo
Deposit HK$1.26M · loan HK$11.33M · min. income ≈ HK$121,214/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$472,230 · Scale 2, in force from 26 Feb 2026)