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$28,667
−HK$1,797/mo
▼ 0.25% · 3.875%
HK$29,558
−HK$906/mo
Today · 4.125%
HK$30,464
baseline
▲ 0.50% · 4.625%
HK$32,318
+HK$1,854/mo
Deposit HK$6.29M · loan HK$6.29M · min. income ≈ HK$60,928/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$471,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,891
−HK$1,723/mo
▼ 0.25% · 3.875%
HK$32,747
−HK$867/mo
Today · 4.125%
HK$33,614
baseline
▲ 0.50% · 4.625%
HK$35,386
+HK$1,772/mo
Deposit HK$6.29M · loan HK$6.29M · min. income ≈ HK$67,228/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$471,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,400
−HK$2,157/mo
▼ 0.25% · 3.875%
HK$35,470
−HK$1,087/mo
Today · 4.125%
HK$36,557
baseline
▲ 0.50% · 4.625%
HK$38,782
+HK$2,225/mo
Deposit HK$5.03M · loan HK$7.54M · min. income ≈ HK$73,114/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$471,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,270
−HK$2,067/mo
▼ 0.25% · 3.875%
HK$39,296
−HK$1,041/mo
Today · 4.125%
HK$40,337
baseline
▲ 0.50% · 4.625%
HK$42,463
+HK$2,126/mo
Deposit HK$5.03M · loan HK$7.54M · min. income ≈ HK$80,674/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$471,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,133
−HK$2,517/mo
▼ 0.25% · 3.875%
HK$41,382
−HK$1,268/mo
Today · 4.125%
HK$42,650
baseline
▲ 0.50% · 4.625%
HK$45,245
+HK$2,595/mo
Deposit HK$3.77M · loan HK$8.80M · min. income ≈ HK$85,300/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$471,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,648
−HK$2,412/mo
▼ 0.25% · 3.875%
HK$45,845
−HK$1,215/mo
Today · 4.125%
HK$47,060
baseline
▲ 0.50% · 4.625%
HK$49,541
+HK$2,481/mo
Deposit HK$3.77M · loan HK$8.80M · min. income ≈ HK$94,120/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$471,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,600
−HK$3,236/mo
▼ 0.25% · 3.875%
HK$53,205
−HK$1,631/mo
Today · 4.125%
HK$54,836
baseline
▲ 0.50% · 4.625%
HK$58,172
+HK$3,336/mo
Deposit HK$1.26M · loan HK$11.31M · min. income ≈ HK$109,672/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$471,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,404
−HK$3,102/mo
▼ 0.25% · 3.875%
HK$58,944
−HK$1,562/mo
Today · 4.125%
HK$60,506
baseline
▲ 0.50% · 4.625%
HK$63,695
+HK$3,189/mo
Deposit HK$1.26M · loan HK$11.31M · min. income ≈ HK$121,012/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$471,439 · Scale 2, in force from 26 Feb 2026)