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$28,685
−HK$1,799/mo
▼ 0.25% · 3.875%
HK$29,577
−HK$907/mo
Today · 4.125%
HK$30,484
baseline
▲ 0.50% · 4.625%
HK$32,339
+HK$1,855/mo
Deposit HK$6.29M · loan HK$6.29M · min. income ≈ HK$60,968/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$471,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,912
−HK$1,724/mo
▼ 0.25% · 3.875%
HK$32,768
−HK$868/mo
Today · 4.125%
HK$33,636
baseline
▲ 0.50% · 4.625%
HK$35,409
+HK$1,773/mo
Deposit HK$6.29M · loan HK$6.29M · min. income ≈ HK$67,272/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$471,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,422
−HK$2,159/mo
▼ 0.25% · 3.875%
HK$35,493
−HK$1,088/mo
Today · 4.125%
HK$36,581
baseline
▲ 0.50% · 4.625%
HK$38,807
+HK$2,226/mo
Deposit HK$5.03M · loan HK$7.55M · min. income ≈ HK$73,162/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$471,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,294
−HK$2,069/mo
▼ 0.25% · 3.875%
HK$39,321
−HK$1,042/mo
Today · 4.125%
HK$40,363
baseline
▲ 0.50% · 4.625%
HK$42,491
+HK$2,128/mo
Deposit HK$5.03M · loan HK$7.55M · min. income ≈ HK$80,726/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$471,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,159
−HK$2,519/mo
▼ 0.25% · 3.875%
HK$41,408
−HK$1,270/mo
Today · 4.125%
HK$42,678
baseline
▲ 0.50% · 4.625%
HK$45,274
+HK$2,596/mo
Deposit HK$3.77M · loan HK$8.81M · min. income ≈ HK$85,356/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$471,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,677
−HK$2,414/mo
▼ 0.25% · 3.875%
HK$45,875
−HK$1,216/mo
Today · 4.125%
HK$47,091
baseline
▲ 0.50% · 4.625%
HK$49,573
+HK$2,482/mo
Deposit HK$3.77M · loan HK$8.81M · min. income ≈ HK$94,182/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$471,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,633
−HK$3,238/mo
▼ 0.25% · 3.875%
HK$53,239
−HK$1,632/mo
Today · 4.125%
HK$54,871
baseline
▲ 0.50% · 4.625%
HK$58,210
+HK$3,339/mo
Deposit HK$1.26M · loan HK$11.32M · min. income ≈ HK$109,742/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$471,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,442
−HK$3,103/mo
▼ 0.25% · 3.875%
HK$58,982
−HK$1,563/mo
Today · 4.125%
HK$60,545
baseline
▲ 0.50% · 4.625%
HK$63,736
+HK$3,191/mo
Deposit HK$1.26M · loan HK$11.32M · min. income ≈ HK$121,090/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$471,744 · Scale 2, in force from 26 Feb 2026)