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$28,659
−HK$1,797/mo
▼ 0.25% · 3.875%
HK$29,551
−HK$905/mo
Today · 4.125%
HK$30,456
baseline
▲ 0.50% · 4.625%
HK$32,309
+HK$1,853/mo
Deposit HK$6.28M · loan HK$6.28M · min. income ≈ HK$60,912/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$471,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,883
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$32,738
−HK$867/mo
Today · 4.125%
HK$33,605
baseline
▲ 0.50% · 4.625%
HK$35,377
+HK$1,772/mo
Deposit HK$6.28M · loan HK$6.28M · min. income ≈ HK$67,210/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$471,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,391
−HK$2,157/mo
▼ 0.25% · 3.875%
HK$35,461
−HK$1,087/mo
Today · 4.125%
HK$36,548
baseline
▲ 0.50% · 4.625%
HK$38,771
+HK$2,223/mo
Deposit HK$5.03M · loan HK$7.54M · min. income ≈ HK$73,096/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$471,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,260
−HK$2,067/mo
▼ 0.25% · 3.875%
HK$39,286
−HK$1,041/mo
Today · 4.125%
HK$40,327
baseline
▲ 0.50% · 4.625%
HK$42,452
+HK$2,125/mo
Deposit HK$5.03M · loan HK$7.54M · min. income ≈ HK$80,654/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$471,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,123
−HK$2,516/mo
▼ 0.25% · 3.875%
HK$41,371
−HK$1,268/mo
Today · 4.125%
HK$42,639
baseline
▲ 0.50% · 4.625%
HK$45,233
+HK$2,594/mo
Deposit HK$3.77M · loan HK$8.80M · min. income ≈ HK$85,278/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$471,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,636
−HK$2,412/mo
▼ 0.25% · 3.875%
HK$45,833
−HK$1,215/mo
Today · 4.125%
HK$47,048
baseline
▲ 0.50% · 4.625%
HK$49,528
+HK$2,480/mo
Deposit HK$3.77M · loan HK$8.80M · min. income ≈ HK$94,096/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$471,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,586
−HK$3,235/mo
▼ 0.25% · 3.875%
HK$53,191
−HK$1,630/mo
Today · 4.125%
HK$54,821
baseline
▲ 0.50% · 4.625%
HK$58,157
+HK$3,336/mo
Deposit HK$1.26M · loan HK$11.31M · min. income ≈ HK$109,642/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$471,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,389
−HK$3,101/mo
▼ 0.25% · 3.875%
HK$58,928
−HK$1,562/mo
Today · 4.125%
HK$60,490
baseline
▲ 0.50% · 4.625%
HK$63,678
+HK$3,188/mo
Deposit HK$1.26M · loan HK$11.31M · min. income ≈ HK$120,980/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$471,314 · Scale 2, in force from 26 Feb 2026)