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$28,734
−HK$1,802/mo
▼ 0.25% · 3.875%
HK$29,628
−HK$908/mo
Today · 4.125%
HK$30,536
baseline
▲ 0.50% · 4.625%
HK$32,394
+HK$1,858/mo
Deposit HK$6.30M · loan HK$6.30M · min. income ≈ HK$61,072/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$472,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,967
−HK$1,727/mo
▼ 0.25% · 3.875%
HK$32,824
−HK$870/mo
Today · 4.125%
HK$33,694
baseline
▲ 0.50% · 4.625%
HK$35,470
+HK$1,776/mo
Deposit HK$6.30M · loan HK$6.30M · min. income ≈ HK$67,388/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$472,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,481
−HK$2,162/mo
▼ 0.25% · 3.875%
HK$35,554
−HK$1,089/mo
Today · 4.125%
HK$36,643
baseline
▲ 0.50% · 4.625%
HK$38,873
+HK$2,230/mo
Deposit HK$5.04M · loan HK$7.56M · min. income ≈ HK$73,286/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$472,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,360
−HK$2,072/mo
▼ 0.25% · 3.875%
HK$39,389
−HK$1,043/mo
Today · 4.125%
HK$40,432
baseline
▲ 0.50% · 4.625%
HK$42,564
+HK$2,132/mo
Deposit HK$5.04M · loan HK$7.56M · min. income ≈ HK$80,864/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$472,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,228
−HK$2,523/mo
▼ 0.25% · 3.875%
HK$41,479
−HK$1,272/mo
Today · 4.125%
HK$42,751
baseline
▲ 0.50% · 4.625%
HK$45,352
+HK$2,601/mo
Deposit HK$3.78M · loan HK$8.82M · min. income ≈ HK$85,502/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$472,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,753
−HK$2,418/mo
▼ 0.25% · 3.875%
HK$45,954
−HK$1,217/mo
Today · 4.125%
HK$47,171
baseline
▲ 0.50% · 4.625%
HK$49,658
+HK$2,487/mo
Deposit HK$3.78M · loan HK$8.82M · min. income ≈ HK$94,342/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$472,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,722
−HK$3,243/mo
▼ 0.25% · 3.875%
HK$53,331
−HK$1,634/mo
Today · 4.125%
HK$54,965
baseline
▲ 0.50% · 4.625%
HK$58,310
+HK$3,345/mo
Deposit HK$1.26M · loan HK$11.34M · min. income ≈ HK$109,930/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$472,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,540
−HK$3,109/mo
▼ 0.25% · 3.875%
HK$59,083
−HK$1,566/mo
Today · 4.125%
HK$60,649
baseline
▲ 0.50% · 4.625%
HK$63,845
+HK$3,196/mo
Deposit HK$1.26M · loan HK$11.34M · min. income ≈ HK$121,298/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$472,551 · Scale 2, in force from 26 Feb 2026)