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$28,733
−HK$1,802/mo
▼ 0.25% · 3.875%
HK$29,627
−HK$908/mo
Today · 4.125%
HK$30,535
baseline
▲ 0.50% · 4.625%
HK$32,393
+HK$1,858/mo
Deposit HK$6.30M · loan HK$6.30M · min. income ≈ HK$61,070/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$472,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,965
−HK$1,727/mo
▼ 0.25% · 3.875%
HK$32,822
−HK$870/mo
Today · 4.125%
HK$33,692
baseline
▲ 0.50% · 4.625%
HK$35,468
+HK$1,776/mo
Deposit HK$6.30M · loan HK$6.30M · min. income ≈ HK$67,384/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$472,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,480
−HK$2,162/mo
▼ 0.25% · 3.875%
HK$35,552
−HK$1,090/mo
Today · 4.125%
HK$36,642
baseline
▲ 0.50% · 4.625%
HK$38,871
+HK$2,229/mo
Deposit HK$5.04M · loan HK$7.56M · min. income ≈ HK$73,284/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$472,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,358
−HK$2,073/mo
▼ 0.25% · 3.875%
HK$39,387
−HK$1,044/mo
Today · 4.125%
HK$40,431
baseline
▲ 0.50% · 4.625%
HK$42,562
+HK$2,131/mo
Deposit HK$5.04M · loan HK$7.56M · min. income ≈ HK$80,862/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$472,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,226
−HK$2,523/mo
▼ 0.25% · 3.875%
HK$41,477
−HK$1,272/mo
Today · 4.125%
HK$42,749
baseline
▲ 0.50% · 4.625%
HK$45,350
+HK$2,601/mo
Deposit HK$3.78M · loan HK$8.82M · min. income ≈ HK$85,498/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$472,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,751
−HK$2,418/mo
▼ 0.25% · 3.875%
HK$45,951
−HK$1,218/mo
Today · 4.125%
HK$47,169
baseline
▲ 0.50% · 4.625%
HK$49,655
+HK$2,486/mo
Deposit HK$3.78M · loan HK$8.82M · min. income ≈ HK$94,338/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$472,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,719
−HK$3,244/mo
▼ 0.25% · 3.875%
HK$53,328
−HK$1,635/mo
Today · 4.125%
HK$54,963
baseline
▲ 0.50% · 4.625%
HK$58,307
+HK$3,344/mo
Deposit HK$1.26M · loan HK$11.34M · min. income ≈ HK$109,926/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$472,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,537
−HK$3,109/mo
▼ 0.25% · 3.875%
HK$59,080
−HK$1,566/mo
Today · 4.125%
HK$60,646
baseline
▲ 0.50% · 4.625%
HK$63,843
+HK$3,197/mo
Deposit HK$1.26M · loan HK$11.34M · min. income ≈ HK$121,292/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$472,530 · Scale 2, in force from 26 Feb 2026)