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$28,649
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$29,540
−HK$905/mo
Today · 4.125%
HK$30,445
baseline
▲ 0.50% · 4.625%
HK$32,298
+HK$1,853/mo
Deposit HK$6.28M · loan HK$6.28M · min. income ≈ HK$60,890/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$471,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,871
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$32,726
−HK$867/mo
Today · 4.125%
HK$33,593
baseline
▲ 0.50% · 4.625%
HK$35,364
+HK$1,771/mo
Deposit HK$6.28M · loan HK$6.28M · min. income ≈ HK$67,186/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$471,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,378
−HK$2,156/mo
▼ 0.25% · 3.875%
HK$35,448
−HK$1,086/mo
Today · 4.125%
HK$36,534
baseline
▲ 0.50% · 4.625%
HK$38,757
+HK$2,223/mo
Deposit HK$5.03M · loan HK$7.54M · min. income ≈ HK$73,068/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$471,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,246
−HK$2,066/mo
▼ 0.25% · 3.875%
HK$39,271
−HK$1,041/mo
Today · 4.125%
HK$40,312
baseline
▲ 0.50% · 4.625%
HK$42,437
+HK$2,125/mo
Deposit HK$5.03M · loan HK$7.54M · min. income ≈ HK$80,624/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$471,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,108
−HK$2,515/mo
▼ 0.25% · 3.875%
HK$41,356
−HK$1,267/mo
Today · 4.125%
HK$42,623
baseline
▲ 0.50% · 4.625%
HK$45,217
+HK$2,594/mo
Deposit HK$3.77M · loan HK$8.79M · min. income ≈ HK$85,246/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$471,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,620
−HK$2,411/mo
▼ 0.25% · 3.875%
HK$45,817
−HK$1,214/mo
Today · 4.125%
HK$47,031
baseline
▲ 0.50% · 4.625%
HK$49,510
+HK$2,479/mo
Deposit HK$3.77M · loan HK$8.79M · min. income ≈ HK$94,062/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$471,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,568
−HK$3,233/mo
▼ 0.25% · 3.875%
HK$53,172
−HK$1,629/mo
Today · 4.125%
HK$54,801
baseline
▲ 0.50% · 4.625%
HK$58,136
+HK$3,335/mo
Deposit HK$1.26M · loan HK$11.31M · min. income ≈ HK$109,602/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$471,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,369
−HK$3,099/mo
▼ 0.25% · 3.875%
HK$58,907
−HK$1,561/mo
Today · 4.125%
HK$60,468
baseline
▲ 0.50% · 4.625%
HK$63,655
+HK$3,187/mo
Deposit HK$1.26M · loan HK$11.31M · min. income ≈ HK$120,936/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$471,143 · Scale 2, in force from 26 Feb 2026)