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$28,672
−HK$1,798/mo
▼ 0.25% · 3.875%
HK$29,563
−HK$907/mo
Today · 4.125%
HK$30,470
baseline
▲ 0.50% · 4.625%
HK$32,324
+HK$1,854/mo
Deposit HK$6.29M · loan HK$6.29M · min. income ≈ HK$60,940/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$471,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,897
−HK$1,723/mo
▼ 0.25% · 3.875%
HK$32,752
−HK$868/mo
Today · 4.125%
HK$33,620
baseline
▲ 0.50% · 4.625%
HK$35,392
+HK$1,772/mo
Deposit HK$6.29M · loan HK$6.29M · min. income ≈ HK$67,240/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$471,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,406
−HK$2,158/mo
▼ 0.25% · 3.875%
HK$35,476
−HK$1,088/mo
Today · 4.125%
HK$36,564
baseline
▲ 0.50% · 4.625%
HK$38,788
+HK$2,224/mo
Deposit HK$5.03M · loan HK$7.54M · min. income ≈ HK$73,128/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$471,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,276
−HK$2,068/mo
▼ 0.25% · 3.875%
HK$39,303
−HK$1,041/mo
Today · 4.125%
HK$40,344
baseline
▲ 0.50% · 4.625%
HK$42,471
+HK$2,127/mo
Deposit HK$5.03M · loan HK$7.54M · min. income ≈ HK$80,688/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$471,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,140
−HK$2,517/mo
▼ 0.25% · 3.875%
HK$41,389
−HK$1,268/mo
Today · 4.125%
HK$42,657
baseline
▲ 0.50% · 4.625%
HK$45,253
+HK$2,596/mo
Deposit HK$3.77M · loan HK$8.80M · min. income ≈ HK$85,314/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$471,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,656
−HK$2,412/mo
▼ 0.25% · 3.875%
HK$45,853
−HK$1,215/mo
Today · 4.125%
HK$47,068
baseline
▲ 0.50% · 4.625%
HK$49,549
+HK$2,481/mo
Deposit HK$3.77M · loan HK$8.80M · min. income ≈ HK$94,136/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$471,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,609
−HK$3,236/mo
▼ 0.25% · 3.875%
HK$53,214
−HK$1,631/mo
Today · 4.125%
HK$54,845
baseline
▲ 0.50% · 4.625%
HK$58,182
+HK$3,337/mo
Deposit HK$1.26M · loan HK$11.32M · min. income ≈ HK$109,690/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$471,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,414
−HK$3,102/mo
▼ 0.25% · 3.875%
HK$58,954
−HK$1,562/mo
Today · 4.125%
HK$60,516
baseline
▲ 0.50% · 4.625%
HK$63,706
+HK$3,190/mo
Deposit HK$1.26M · loan HK$11.32M · min. income ≈ HK$121,032/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$471,520 · Scale 2, in force from 26 Feb 2026)