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$28,714
−HK$1,801/mo
▼ 0.25% · 3.875%
HK$29,608
−HK$907/mo
Today · 4.125%
HK$30,515
baseline
▲ 0.50% · 4.625%
HK$32,372
+HK$1,857/mo
Deposit HK$6.30M · loan HK$6.30M · min. income ≈ HK$61,030/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$472,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,945
−HK$1,725/mo
▼ 0.25% · 3.875%
HK$32,801
−HK$869/mo
Today · 4.125%
HK$33,670
baseline
▲ 0.50% · 4.625%
HK$35,445
+HK$1,775/mo
Deposit HK$6.30M · loan HK$6.30M · min. income ≈ HK$67,340/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$472,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,457
−HK$2,161/mo
▼ 0.25% · 3.875%
HK$35,529
−HK$1,089/mo
Today · 4.125%
HK$36,618
baseline
▲ 0.50% · 4.625%
HK$38,846
+HK$2,228/mo
Deposit HK$5.04M · loan HK$7.56M · min. income ≈ HK$73,236/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$472,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,333
−HK$2,072/mo
▼ 0.25% · 3.875%
HK$39,362
−HK$1,043/mo
Today · 4.125%
HK$40,405
baseline
▲ 0.50% · 4.625%
HK$42,534
+HK$2,129/mo
Deposit HK$5.04M · loan HK$7.56M · min. income ≈ HK$80,810/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$472,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,200
−HK$2,521/mo
▼ 0.25% · 3.875%
HK$41,451
−HK$1,270/mo
Today · 4.125%
HK$42,721
baseline
▲ 0.50% · 4.625%
HK$45,321
+HK$2,600/mo
Deposit HK$3.78M · loan HK$8.81M · min. income ≈ HK$85,442/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$472,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,722
−HK$2,417/mo
▼ 0.25% · 3.875%
HK$45,922
−HK$1,217/mo
Today · 4.125%
HK$47,139
baseline
▲ 0.50% · 4.625%
HK$49,623
+HK$2,484/mo
Deposit HK$3.78M · loan HK$8.81M · min. income ≈ HK$94,278/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$472,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,686
−HK$3,241/mo
▼ 0.25% · 3.875%
HK$53,294
−HK$1,633/mo
Today · 4.125%
HK$54,927
baseline
▲ 0.50% · 4.625%
HK$58,269
+HK$3,342/mo
Deposit HK$1.26M · loan HK$11.33M · min. income ≈ HK$109,854/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$472,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,500
−HK$3,107/mo
▼ 0.25% · 3.875%
HK$59,042
−HK$1,565/mo
Today · 4.125%
HK$60,607
baseline
▲ 0.50% · 4.625%
HK$63,801
+HK$3,194/mo
Deposit HK$1.26M · loan HK$11.33M · min. income ≈ HK$121,214/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$472,225 · Scale 2, in force from 26 Feb 2026)