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$28,709
−HK$1,801/mo
▼ 0.25% · 3.875%
HK$29,602
−HK$908/mo
Today · 4.125%
HK$30,510
baseline
▲ 0.50% · 4.625%
HK$32,366
+HK$1,856/mo
Deposit HK$6.30M · loan HK$6.30M · min. income ≈ HK$61,020/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$472,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,939
−HK$1,725/mo
▼ 0.25% · 3.875%
HK$32,795
−HK$869/mo
Today · 4.125%
HK$33,664
baseline
▲ 0.50% · 4.625%
HK$35,439
+HK$1,775/mo
Deposit HK$6.30M · loan HK$6.30M · min. income ≈ HK$67,328/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$472,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,451
−HK$2,161/mo
▼ 0.25% · 3.875%
HK$35,523
−HK$1,089/mo
Today · 4.125%
HK$36,612
baseline
▲ 0.50% · 4.625%
HK$38,839
+HK$2,227/mo
Deposit HK$5.04M · loan HK$7.55M · min. income ≈ HK$73,224/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$472,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,327
−HK$2,070/mo
▼ 0.25% · 3.875%
HK$39,354
−HK$1,043/mo
Today · 4.125%
HK$40,397
baseline
▲ 0.50% · 4.625%
HK$42,527
+HK$2,130/mo
Deposit HK$5.04M · loan HK$7.55M · min. income ≈ HK$80,794/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$472,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,193
−HK$2,520/mo
▼ 0.25% · 3.875%
HK$41,443
−HK$1,270/mo
Today · 4.125%
HK$42,713
baseline
▲ 0.50% · 4.625%
HK$45,312
+HK$2,599/mo
Deposit HK$3.78M · loan HK$8.81M · min. income ≈ HK$85,426/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$472,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,714
−HK$2,416/mo
▼ 0.25% · 3.875%
HK$45,913
−HK$1,217/mo
Today · 4.125%
HK$47,130
baseline
▲ 0.50% · 4.625%
HK$49,614
+HK$2,484/mo
Deposit HK$3.78M · loan HK$8.81M · min. income ≈ HK$94,260/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$472,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,677
−HK$3,240/mo
▼ 0.25% · 3.875%
HK$53,284
−HK$1,633/mo
Today · 4.125%
HK$54,917
baseline
▲ 0.50% · 4.625%
HK$58,259
+HK$3,342/mo
Deposit HK$1.26M · loan HK$11.33M · min. income ≈ HK$109,834/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$472,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,490
−HK$3,106/mo
▼ 0.25% · 3.875%
HK$59,032
−HK$1,564/mo
Today · 4.125%
HK$60,596
baseline
▲ 0.50% · 4.625%
HK$63,790
+HK$3,194/mo
Deposit HK$1.26M · loan HK$11.33M · min. income ≈ HK$121,192/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$472,139 · Scale 2, in force from 26 Feb 2026)