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$28,657
−HK$1,797/mo
▼ 0.25% · 3.875%
HK$29,549
−HK$905/mo
Today · 4.125%
HK$30,454
baseline
▲ 0.50% · 4.625%
HK$32,307
+HK$1,853/mo
Deposit HK$6.28M · loan HK$6.28M · min. income ≈ HK$60,908/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$471,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,881
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$32,736
−HK$867/mo
Today · 4.125%
HK$33,603
baseline
▲ 0.50% · 4.625%
HK$35,375
+HK$1,772/mo
Deposit HK$6.28M · loan HK$6.28M · min. income ≈ HK$67,206/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$471,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,389
−HK$2,156/mo
▼ 0.25% · 3.875%
HK$35,458
−HK$1,087/mo
Today · 4.125%
HK$36,545
baseline
▲ 0.50% · 4.625%
HK$38,769
+HK$2,224/mo
Deposit HK$5.03M · loan HK$7.54M · min. income ≈ HK$73,090/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$471,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,257
−HK$2,067/mo
▼ 0.25% · 3.875%
HK$39,283
−HK$1,041/mo
Today · 4.125%
HK$40,324
baseline
▲ 0.50% · 4.625%
HK$42,449
+HK$2,125/mo
Deposit HK$5.03M · loan HK$7.54M · min. income ≈ HK$80,648/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$471,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,120
−HK$2,516/mo
▼ 0.25% · 3.875%
HK$41,368
−HK$1,268/mo
Today · 4.125%
HK$42,636
baseline
▲ 0.50% · 4.625%
HK$45,230
+HK$2,594/mo
Deposit HK$3.77M · loan HK$8.80M · min. income ≈ HK$85,272/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$471,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,633
−HK$2,412/mo
▼ 0.25% · 3.875%
HK$45,830
−HK$1,215/mo
Today · 4.125%
HK$47,045
baseline
▲ 0.50% · 4.625%
HK$49,524
+HK$2,479/mo
Deposit HK$3.77M · loan HK$8.80M · min. income ≈ HK$94,090/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$471,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,583
−HK$3,235/mo
▼ 0.25% · 3.875%
HK$53,187
−HK$1,631/mo
Today · 4.125%
HK$54,818
baseline
▲ 0.50% · 4.625%
HK$58,153
+HK$3,335/mo
Deposit HK$1.26M · loan HK$11.31M · min. income ≈ HK$109,636/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$471,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,385
−HK$3,101/mo
▼ 0.25% · 3.875%
HK$58,925
−HK$1,561/mo
Today · 4.125%
HK$60,486
baseline
▲ 0.50% · 4.625%
HK$63,674
+HK$3,188/mo
Deposit HK$1.26M · loan HK$11.31M · min. income ≈ HK$120,972/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$471,283 · Scale 2, in force from 26 Feb 2026)