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$28,740
−HK$1,802/mo
▼ 0.25% · 3.875%
HK$29,634
−HK$908/mo
Today · 4.125%
HK$30,542
baseline
▲ 0.50% · 4.625%
HK$32,401
+HK$1,859/mo
Deposit HK$6.30M · loan HK$6.30M · min. income ≈ HK$61,084/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$472,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,973
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$32,831
−HK$870/mo
Today · 4.125%
HK$33,701
baseline
▲ 0.50% · 4.625%
HK$35,477
+HK$1,776/mo
Deposit HK$6.30M · loan HK$6.30M · min. income ≈ HK$67,402/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$472,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,488
−HK$2,163/mo
▼ 0.25% · 3.875%
HK$35,561
−HK$1,090/mo
Today · 4.125%
HK$36,651
baseline
▲ 0.50% · 4.625%
HK$38,881
+HK$2,230/mo
Deposit HK$5.04M · loan HK$7.56M · min. income ≈ HK$73,302/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$472,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,368
−HK$2,073/mo
▼ 0.25% · 3.875%
HK$39,397
−HK$1,044/mo
Today · 4.125%
HK$40,441
baseline
▲ 0.50% · 4.625%
HK$42,572
+HK$2,131/mo
Deposit HK$5.04M · loan HK$7.56M · min. income ≈ HK$80,882/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$472,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,236
−HK$2,523/mo
▼ 0.25% · 3.875%
HK$41,488
−HK$1,271/mo
Today · 4.125%
HK$42,759
baseline
▲ 0.50% · 4.625%
HK$45,361
+HK$2,602/mo
Deposit HK$3.78M · loan HK$8.82M · min. income ≈ HK$85,518/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$472,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,762
−HK$2,419/mo
▼ 0.25% · 3.875%
HK$45,963
−HK$1,218/mo
Today · 4.125%
HK$47,181
baseline
▲ 0.50% · 4.625%
HK$49,668
+HK$2,487/mo
Deposit HK$3.78M · loan HK$8.82M · min. income ≈ HK$94,362/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$472,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,732
−HK$3,244/mo
▼ 0.25% · 3.875%
HK$53,342
−HK$1,634/mo
Today · 4.125%
HK$54,976
baseline
▲ 0.50% · 4.625%
HK$58,322
+HK$3,346/mo
Deposit HK$1.26M · loan HK$11.34M · min. income ≈ HK$109,952/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$472,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,552
−HK$3,109/mo
▼ 0.25% · 3.875%
HK$59,095
−HK$1,566/mo
Today · 4.125%
HK$60,661
baseline
▲ 0.50% · 4.625%
HK$63,859
+HK$3,198/mo
Deposit HK$1.26M · loan HK$11.34M · min. income ≈ HK$121,322/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$472,648 · Scale 2, in force from 26 Feb 2026)