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$28,679
−HK$1,798/mo
▼ 0.25% · 3.875%
HK$29,571
−HK$906/mo
Today · 4.125%
HK$30,477
baseline
▲ 0.50% · 4.625%
HK$32,332
+HK$1,855/mo
Deposit HK$6.29M · loan HK$6.29M · min. income ≈ HK$60,954/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$471,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,905
−HK$1,724/mo
▼ 0.25% · 3.875%
HK$32,761
−HK$868/mo
Today · 4.125%
HK$33,629
baseline
▲ 0.50% · 4.625%
HK$35,401
+HK$1,772/mo
Deposit HK$6.29M · loan HK$6.29M · min. income ≈ HK$67,258/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$471,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,415
−HK$2,158/mo
▼ 0.25% · 3.875%
HK$35,485
−HK$1,088/mo
Today · 4.125%
HK$36,573
baseline
▲ 0.50% · 4.625%
HK$38,798
+HK$2,225/mo
Deposit HK$5.03M · loan HK$7.55M · min. income ≈ HK$73,146/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$471,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,286
−HK$2,068/mo
▼ 0.25% · 3.875%
HK$39,313
−HK$1,041/mo
Today · 4.125%
HK$40,354
baseline
▲ 0.50% · 4.625%
HK$42,481
+HK$2,127/mo
Deposit HK$5.03M · loan HK$7.55M · min. income ≈ HK$80,708/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$471,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,150
−HK$2,518/mo
▼ 0.25% · 3.875%
HK$41,399
−HK$1,269/mo
Today · 4.125%
HK$42,668
baseline
▲ 0.50% · 4.625%
HK$45,264
+HK$2,596/mo
Deposit HK$3.77M · loan HK$8.80M · min. income ≈ HK$85,336/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$471,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,667
−HK$2,413/mo
▼ 0.25% · 3.875%
HK$45,865
−HK$1,215/mo
Today · 4.125%
HK$47,080
baseline
▲ 0.50% · 4.625%
HK$49,562
+HK$2,482/mo
Deposit HK$3.77M · loan HK$8.80M · min. income ≈ HK$94,160/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$471,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,622
−HK$3,237/mo
▼ 0.25% · 3.875%
HK$53,228
−HK$1,631/mo
Today · 4.125%
HK$54,859
baseline
▲ 0.50% · 4.625%
HK$58,197
+HK$3,338/mo
Deposit HK$1.26M · loan HK$11.32M · min. income ≈ HK$109,718/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$471,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,429
−HK$3,102/mo
▼ 0.25% · 3.875%
HK$58,969
−HK$1,562/mo
Today · 4.125%
HK$60,531
baseline
▲ 0.50% · 4.625%
HK$63,722
+HK$3,191/mo
Deposit HK$1.26M · loan HK$11.32M · min. income ≈ HK$121,062/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$471,638 · Scale 2, in force from 26 Feb 2026)