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$28,702
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$29,595
−HK$907/mo
Today · 4.125%
HK$30,502
baseline
▲ 0.50% · 4.625%
HK$32,358
+HK$1,856/mo
Deposit HK$6.29M · loan HK$6.29M · min. income ≈ HK$61,004/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$472,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,930
−HK$1,726/mo
▼ 0.25% · 3.875%
HK$32,787
−HK$869/mo
Today · 4.125%
HK$33,656
baseline
▲ 0.50% · 4.625%
HK$35,430
+HK$1,774/mo
Deposit HK$6.29M · loan HK$6.29M · min. income ≈ HK$67,312/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$472,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,442
−HK$2,160/mo
▼ 0.25% · 3.875%
HK$35,514
−HK$1,088/mo
Today · 4.125%
HK$36,602
baseline
▲ 0.50% · 4.625%
HK$38,829
+HK$2,227/mo
Deposit HK$5.03M · loan HK$7.55M · min. income ≈ HK$73,204/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$472,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,317
−HK$2,070/mo
▼ 0.25% · 3.875%
HK$39,344
−HK$1,043/mo
Today · 4.125%
HK$40,387
baseline
▲ 0.50% · 4.625%
HK$42,516
+HK$2,129/mo
Deposit HK$5.03M · loan HK$7.55M · min. income ≈ HK$80,774/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$472,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,183
−HK$2,519/mo
▼ 0.25% · 3.875%
HK$41,432
−HK$1,270/mo
Today · 4.125%
HK$42,702
baseline
▲ 0.50% · 4.625%
HK$45,301
+HK$2,599/mo
Deposit HK$3.78M · loan HK$8.81M · min. income ≈ HK$85,404/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$472,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,703
−HK$2,415/mo
▼ 0.25% · 3.875%
HK$45,902
−HK$1,216/mo
Today · 4.125%
HK$47,118
baseline
▲ 0.50% · 4.625%
HK$49,601
+HK$2,483/mo
Deposit HK$3.78M · loan HK$8.81M · min. income ≈ HK$94,236/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$472,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,663
−HK$3,240/mo
▼ 0.25% · 3.875%
HK$53,270
−HK$1,633/mo
Today · 4.125%
HK$54,903
baseline
▲ 0.50% · 4.625%
HK$58,244
+HK$3,341/mo
Deposit HK$1.26M · loan HK$11.33M · min. income ≈ HK$109,806/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$472,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,475
−HK$3,105/mo
▼ 0.25% · 3.875%
HK$59,016
−HK$1,564/mo
Today · 4.125%
HK$60,580
baseline
▲ 0.50% · 4.625%
HK$63,773
+HK$3,193/mo
Deposit HK$1.26M · loan HK$11.33M · min. income ≈ HK$121,160/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$472,017 · Scale 2, in force from 26 Feb 2026)