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$28,671
−HK$1,798/mo
▼ 0.25% · 3.875%
HK$29,563
−HK$906/mo
Today · 4.125%
HK$30,469
baseline
▲ 0.50% · 4.625%
HK$32,323
+HK$1,854/mo
Deposit HK$6.29M · loan HK$6.29M · min. income ≈ HK$60,938/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$471,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,896
−HK$1,723/mo
▼ 0.25% · 3.875%
HK$32,752
−HK$867/mo
Today · 4.125%
HK$33,619
baseline
▲ 0.50% · 4.625%
HK$35,391
+HK$1,772/mo
Deposit HK$6.29M · loan HK$6.29M · min. income ≈ HK$67,238/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$471,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,405
−HK$2,158/mo
▼ 0.25% · 3.875%
HK$35,475
−HK$1,088/mo
Today · 4.125%
HK$36,563
baseline
▲ 0.50% · 4.625%
HK$38,787
+HK$2,224/mo
Deposit HK$5.03M · loan HK$7.54M · min. income ≈ HK$73,126/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$471,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,275
−HK$2,068/mo
▼ 0.25% · 3.875%
HK$39,302
−HK$1,041/mo
Today · 4.125%
HK$40,343
baseline
▲ 0.50% · 4.625%
HK$42,470
+HK$2,127/mo
Deposit HK$5.03M · loan HK$7.54M · min. income ≈ HK$80,686/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$471,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,139
−HK$2,517/mo
▼ 0.25% · 3.875%
HK$41,388
−HK$1,268/mo
Today · 4.125%
HK$42,656
baseline
▲ 0.50% · 4.625%
HK$45,252
+HK$2,596/mo
Deposit HK$3.77M · loan HK$8.80M · min. income ≈ HK$85,312/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$471,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,655
−HK$2,412/mo
▼ 0.25% · 3.875%
HK$45,852
−HK$1,215/mo
Today · 4.125%
HK$47,067
baseline
▲ 0.50% · 4.625%
HK$49,548
+HK$2,481/mo
Deposit HK$3.77M · loan HK$8.80M · min. income ≈ HK$94,134/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$471,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,608
−HK$3,236/mo
▼ 0.25% · 3.875%
HK$53,213
−HK$1,631/mo
Today · 4.125%
HK$54,844
baseline
▲ 0.50% · 4.625%
HK$58,181
+HK$3,337/mo
Deposit HK$1.26M · loan HK$11.32M · min. income ≈ HK$109,688/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$471,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,413
−HK$3,102/mo
▼ 0.25% · 3.875%
HK$58,953
−HK$1,562/mo
Today · 4.125%
HK$60,515
baseline
▲ 0.50% · 4.625%
HK$63,705
+HK$3,190/mo
Deposit HK$1.26M · loan HK$11.32M · min. income ≈ HK$121,030/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$471,508 · Scale 2, in force from 26 Feb 2026)