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$28,640
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$29,531
−HK$905/mo
Today · 4.125%
HK$30,436
baseline
▲ 0.50% · 4.625%
HK$32,288
+HK$1,852/mo
Deposit HK$6.28M · loan HK$6.28M · min. income ≈ HK$60,872/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$471,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,862
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$32,716
−HK$867/mo
Today · 4.125%
HK$33,583
baseline
▲ 0.50% · 4.625%
HK$35,354
+HK$1,771/mo
Deposit HK$6.28M · loan HK$6.28M · min. income ≈ HK$67,166/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$471,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,368
−HK$2,155/mo
▼ 0.25% · 3.875%
HK$35,437
−HK$1,086/mo
Today · 4.125%
HK$36,523
baseline
▲ 0.50% · 4.625%
HK$38,746
+HK$2,223/mo
Deposit HK$5.02M · loan HK$7.54M · min. income ≈ HK$73,046/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$471,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,234
−HK$2,066/mo
▼ 0.25% · 3.875%
HK$39,260
−HK$1,040/mo
Today · 4.125%
HK$40,300
baseline
▲ 0.50% · 4.625%
HK$42,424
+HK$2,124/mo
Deposit HK$5.02M · loan HK$7.54M · min. income ≈ HK$80,600/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$471,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,096
−HK$2,515/mo
▼ 0.25% · 3.875%
HK$41,343
−HK$1,268/mo
Today · 4.125%
HK$42,611
baseline
▲ 0.50% · 4.625%
HK$45,203
+HK$2,592/mo
Deposit HK$3.77M · loan HK$8.79M · min. income ≈ HK$85,222/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$471,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,607
−HK$2,410/mo
▼ 0.25% · 3.875%
HK$45,803
−HK$1,214/mo
Today · 4.125%
HK$47,017
baseline
▲ 0.50% · 4.625%
HK$49,495
+HK$2,478/mo
Deposit HK$3.77M · loan HK$8.79M · min. income ≈ HK$94,034/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$471,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,552
−HK$3,233/mo
▼ 0.25% · 3.875%
HK$53,156
−HK$1,629/mo
Today · 4.125%
HK$54,785
baseline
▲ 0.50% · 4.625%
HK$58,119
+HK$3,334/mo
Deposit HK$1.26M · loan HK$11.30M · min. income ≈ HK$109,570/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$471,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,351
−HK$3,099/mo
▼ 0.25% · 3.875%
HK$58,890
−HK$1,560/mo
Today · 4.125%
HK$60,450
baseline
▲ 0.50% · 4.625%
HK$63,636
+HK$3,186/mo
Deposit HK$1.26M · loan HK$11.30M · min. income ≈ HK$120,900/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$471,003 · Scale 2, in force from 26 Feb 2026)