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$28,731
−HK$1,802/mo
▼ 0.25% · 3.875%
HK$29,625
−HK$908/mo
Today · 4.125%
HK$30,533
baseline
▲ 0.50% · 4.625%
HK$32,391
+HK$1,858/mo
Deposit HK$6.30M · loan HK$6.30M · min. income ≈ HK$61,066/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$472,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,963
−HK$1,727/mo
▼ 0.25% · 3.875%
HK$32,820
−HK$870/mo
Today · 4.125%
HK$33,690
baseline
▲ 0.50% · 4.625%
HK$35,466
+HK$1,776/mo
Deposit HK$6.30M · loan HK$6.30M · min. income ≈ HK$67,380/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$472,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,477
−HK$2,162/mo
▼ 0.25% · 3.875%
HK$35,550
−HK$1,089/mo
Today · 4.125%
HK$36,639
baseline
▲ 0.50% · 4.625%
HK$38,869
+HK$2,230/mo
Deposit HK$5.04M · loan HK$7.56M · min. income ≈ HK$73,278/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$472,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,356
−HK$2,072/mo
▼ 0.25% · 3.875%
HK$39,384
−HK$1,044/mo
Today · 4.125%
HK$40,428
baseline
▲ 0.50% · 4.625%
HK$42,559
+HK$2,131/mo
Deposit HK$5.04M · loan HK$7.56M · min. income ≈ HK$80,856/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$472,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,223
−HK$2,523/mo
▼ 0.25% · 3.875%
HK$41,475
−HK$1,271/mo
Today · 4.125%
HK$42,746
baseline
▲ 0.50% · 4.625%
HK$45,347
+HK$2,601/mo
Deposit HK$3.78M · loan HK$8.82M · min. income ≈ HK$85,492/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$472,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,748
−HK$2,418/mo
▼ 0.25% · 3.875%
HK$45,948
−HK$1,218/mo
Today · 4.125%
HK$47,166
baseline
▲ 0.50% · 4.625%
HK$49,652
+HK$2,486/mo
Deposit HK$3.78M · loan HK$8.82M · min. income ≈ HK$94,332/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$472,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,716
−HK$3,243/mo
▼ 0.25% · 3.875%
HK$53,325
−HK$1,634/mo
Today · 4.125%
HK$54,959
baseline
▲ 0.50% · 4.625%
HK$58,303
+HK$3,344/mo
Deposit HK$1.26M · loan HK$11.34M · min. income ≈ HK$109,918/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$472,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,533
−HK$3,109/mo
▼ 0.25% · 3.875%
HK$59,076
−HK$1,566/mo
Today · 4.125%
HK$60,642
baseline
▲ 0.50% · 4.625%
HK$63,838
+HK$3,196/mo
Deposit HK$1.26M · loan HK$11.34M · min. income ≈ HK$121,284/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$472,497 · Scale 2, in force from 26 Feb 2026)