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$28,641
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$29,532
−HK$905/mo
Today · 4.125%
HK$30,437
baseline
▲ 0.50% · 4.625%
HK$32,289
+HK$1,852/mo
Deposit HK$6.28M · loan HK$6.28M · min. income ≈ HK$60,874/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$471,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,863
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$32,717
−HK$867/mo
Today · 4.125%
HK$33,584
baseline
▲ 0.50% · 4.625%
HK$35,354
+HK$1,770/mo
Deposit HK$6.28M · loan HK$6.28M · min. income ≈ HK$67,168/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$471,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,369
−HK$2,155/mo
▼ 0.25% · 3.875%
HK$35,438
−HK$1,086/mo
Today · 4.125%
HK$36,524
baseline
▲ 0.50% · 4.625%
HK$38,746
+HK$2,222/mo
Deposit HK$5.02M · loan HK$7.54M · min. income ≈ HK$73,048/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$471,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,235
−HK$2,066/mo
▼ 0.25% · 3.875%
HK$39,260
−HK$1,041/mo
Today · 4.125%
HK$40,301
baseline
▲ 0.50% · 4.625%
HK$42,425
+HK$2,124/mo
Deposit HK$5.02M · loan HK$7.54M · min. income ≈ HK$80,602/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$471,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,097
−HK$2,514/mo
▼ 0.25% · 3.875%
HK$41,344
−HK$1,267/mo
Today · 4.125%
HK$42,611
baseline
▲ 0.50% · 4.625%
HK$45,204
+HK$2,593/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$471,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,608
−HK$2,410/mo
▼ 0.25% · 3.875%
HK$45,804
−HK$1,214/mo
Today · 4.125%
HK$47,018
baseline
▲ 0.50% · 4.625%
HK$49,496
+HK$2,478/mo
Deposit HK$3.77M · loan HK$8.79M · min. income ≈ HK$94,036/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$471,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,553
−HK$3,233/mo
▼ 0.25% · 3.875%
HK$53,157
−HK$1,629/mo
Today · 4.125%
HK$54,786
baseline
▲ 0.50% · 4.625%
HK$58,120
+HK$3,334/mo
Deposit HK$1.26M · loan HK$11.30M · min. income ≈ HK$109,572/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$471,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,353
−HK$3,098/mo
▼ 0.25% · 3.875%
HK$58,891
−HK$1,560/mo
Today · 4.125%
HK$60,451
baseline
▲ 0.50% · 4.625%
HK$63,638
+HK$3,187/mo
Deposit HK$1.26M · loan HK$11.30M · min. income ≈ HK$120,902/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$471,012 · Scale 2, in force from 26 Feb 2026)