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$28,674
−HK$1,799/mo
▼ 0.25% · 3.875%
HK$29,566
−HK$907/mo
Today · 4.125%
HK$30,473
baseline
▲ 0.50% · 4.625%
HK$32,327
+HK$1,854/mo
Deposit HK$6.29M · loan HK$6.29M · min. income ≈ HK$60,946/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$471,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,900
−HK$1,723/mo
▼ 0.25% · 3.875%
HK$32,756
−HK$867/mo
Today · 4.125%
HK$33,623
baseline
▲ 0.50% · 4.625%
HK$35,396
+HK$1,773/mo
Deposit HK$6.29M · loan HK$6.29M · min. income ≈ HK$67,246/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$471,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,409
−HK$2,158/mo
▼ 0.25% · 3.875%
HK$35,480
−HK$1,087/mo
Today · 4.125%
HK$36,567
baseline
▲ 0.50% · 4.625%
HK$38,792
+HK$2,225/mo
Deposit HK$5.03M · loan HK$7.55M · min. income ≈ HK$73,134/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$471,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,280
−HK$2,068/mo
▼ 0.25% · 3.875%
HK$39,307
−HK$1,041/mo
Today · 4.125%
HK$40,348
baseline
▲ 0.50% · 4.625%
HK$42,475
+HK$2,127/mo
Deposit HK$5.03M · loan HK$7.55M · min. income ≈ HK$80,696/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$471,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,144
−HK$2,518/mo
▼ 0.25% · 3.875%
HK$41,393
−HK$1,269/mo
Today · 4.125%
HK$42,662
baseline
▲ 0.50% · 4.625%
HK$45,257
+HK$2,595/mo
Deposit HK$3.77M · loan HK$8.80M · min. income ≈ HK$85,324/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$471,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,660
−HK$2,413/mo
▼ 0.25% · 3.875%
HK$45,858
−HK$1,215/mo
Today · 4.125%
HK$47,073
baseline
▲ 0.50% · 4.625%
HK$49,554
+HK$2,481/mo
Deposit HK$3.77M · loan HK$8.80M · min. income ≈ HK$94,146/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$471,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,614
−HK$3,237/mo
▼ 0.25% · 3.875%
HK$53,219
−HK$1,632/mo
Today · 4.125%
HK$54,851
baseline
▲ 0.50% · 4.625%
HK$58,188
+HK$3,337/mo
Deposit HK$1.26M · loan HK$11.32M · min. income ≈ HK$109,702/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$471,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,420
−HK$3,102/mo
▼ 0.25% · 3.875%
HK$58,960
−HK$1,562/mo
Today · 4.125%
HK$60,522
baseline
▲ 0.50% · 4.625%
HK$63,712
+HK$3,190/mo
Deposit HK$1.26M · loan HK$11.32M · min. income ≈ HK$121,044/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$471,566 · Scale 2, in force from 26 Feb 2026)