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$28,718
−HK$1,801/mo
▼ 0.25% · 3.875%
HK$29,612
−HK$907/mo
Today · 4.125%
HK$30,519
baseline
▲ 0.50% · 4.625%
HK$32,376
+HK$1,857/mo
Deposit HK$6.30M · loan HK$6.30M · min. income ≈ HK$61,038/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$472,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,949
−HK$1,726/mo
▼ 0.25% · 3.875%
HK$32,806
−HK$869/mo
Today · 4.125%
HK$33,675
baseline
▲ 0.50% · 4.625%
HK$35,450
+HK$1,775/mo
Deposit HK$6.30M · loan HK$6.30M · min. income ≈ HK$67,350/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$472,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,462
−HK$2,161/mo
▼ 0.25% · 3.875%
HK$35,534
−HK$1,089/mo
Today · 4.125%
HK$36,623
baseline
▲ 0.50% · 4.625%
HK$38,852
+HK$2,229/mo
Deposit HK$5.04M · loan HK$7.56M · min. income ≈ HK$73,246/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$472,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,339
−HK$2,071/mo
▼ 0.25% · 3.875%
HK$39,367
−HK$1,043/mo
Today · 4.125%
HK$40,410
baseline
▲ 0.50% · 4.625%
HK$42,540
+HK$2,130/mo
Deposit HK$5.04M · loan HK$7.56M · min. income ≈ HK$80,820/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$472,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,206
−HK$2,521/mo
▼ 0.25% · 3.875%
HK$41,457
−HK$1,270/mo
Today · 4.125%
HK$42,727
baseline
▲ 0.50% · 4.625%
HK$45,327
+HK$2,600/mo
Deposit HK$3.78M · loan HK$8.82M · min. income ≈ HK$85,454/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$472,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,729
−HK$2,416/mo
▼ 0.25% · 3.875%
HK$45,928
−HK$1,217/mo
Today · 4.125%
HK$47,145
baseline
▲ 0.50% · 4.625%
HK$49,630
+HK$2,485/mo
Deposit HK$3.78M · loan HK$8.82M · min. income ≈ HK$94,290/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$472,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,693
−HK$3,242/mo
▼ 0.25% · 3.875%
HK$53,301
−HK$1,634/mo
Today · 4.125%
HK$54,935
baseline
▲ 0.50% · 4.625%
HK$58,278
+HK$3,343/mo
Deposit HK$1.26M · loan HK$11.33M · min. income ≈ HK$109,870/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$472,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,508
−HK$3,107/mo
▼ 0.25% · 3.875%
HK$59,051
−HK$1,564/mo
Today · 4.125%
HK$60,615
baseline
▲ 0.50% · 4.625%
HK$63,810
+HK$3,195/mo
Deposit HK$1.26M · loan HK$11.33M · min. income ≈ HK$121,230/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$472,291 · Scale 2, in force from 26 Feb 2026)