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$28,648
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$29,539
−HK$905/mo
Today · 4.125%
HK$30,444
baseline
▲ 0.50% · 4.625%
HK$32,296
+HK$1,852/mo
Deposit HK$6.28M · loan HK$6.28M · min. income ≈ HK$60,888/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$471,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,870
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$32,725
−HK$867/mo
Today · 4.125%
HK$33,592
baseline
▲ 0.50% · 4.625%
HK$35,363
+HK$1,771/mo
Deposit HK$6.28M · loan HK$6.28M · min. income ≈ HK$67,184/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$471,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,377
−HK$2,156/mo
▼ 0.25% · 3.875%
HK$35,446
−HK$1,087/mo
Today · 4.125%
HK$36,533
baseline
▲ 0.50% · 4.625%
HK$38,756
+HK$2,223/mo
Deposit HK$5.03M · loan HK$7.54M · min. income ≈ HK$73,066/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$471,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,244
−HK$2,066/mo
▼ 0.25% · 3.875%
HK$39,270
−HK$1,040/mo
Today · 4.125%
HK$40,310
baseline
▲ 0.50% · 4.625%
HK$42,435
+HK$2,125/mo
Deposit HK$5.03M · loan HK$7.54M · min. income ≈ HK$80,620/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$471,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,107
−HK$2,515/mo
▼ 0.25% · 3.875%
HK$41,354
−HK$1,268/mo
Today · 4.125%
HK$42,622
baseline
▲ 0.50% · 4.625%
HK$45,215
+HK$2,593/mo
Deposit HK$3.77M · loan HK$8.79M · min. income ≈ HK$85,244/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$471,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,618
−HK$2,411/mo
▼ 0.25% · 3.875%
HK$45,815
−HK$1,214/mo
Today · 4.125%
HK$47,029
baseline
▲ 0.50% · 4.625%
HK$49,508
+HK$2,479/mo
Deposit HK$3.77M · loan HK$8.79M · min. income ≈ HK$94,058/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$471,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,566
−HK$3,233/mo
▼ 0.25% · 3.875%
HK$53,170
−HK$1,629/mo
Today · 4.125%
HK$54,799
baseline
▲ 0.50% · 4.625%
HK$58,134
+HK$3,335/mo
Deposit HK$1.26M · loan HK$11.31M · min. income ≈ HK$109,598/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$471,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,366
−HK$3,100/mo
▼ 0.25% · 3.875%
HK$58,905
−HK$1,561/mo
Today · 4.125%
HK$60,466
baseline
▲ 0.50% · 4.625%
HK$63,653
+HK$3,187/mo
Deposit HK$1.26M · loan HK$11.31M · min. income ≈ HK$120,932/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$471,125 · Scale 2, in force from 26 Feb 2026)