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$28,652
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$29,543
−HK$905/mo
Today · 4.125%
HK$30,448
baseline
▲ 0.50% · 4.625%
HK$32,301
+HK$1,853/mo
Deposit HK$6.28M · loan HK$6.28M · min. income ≈ HK$60,896/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$471,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,875
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$32,729
−HK$868/mo
Today · 4.125%
HK$33,597
baseline
▲ 0.50% · 4.625%
HK$35,368
+HK$1,771/mo
Deposit HK$6.28M · loan HK$6.28M · min. income ≈ HK$67,194/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$471,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,382
−HK$2,156/mo
▼ 0.25% · 3.875%
HK$35,451
−HK$1,087/mo
Today · 4.125%
HK$36,538
baseline
▲ 0.50% · 4.625%
HK$38,761
+HK$2,223/mo
Deposit HK$5.03M · loan HK$7.54M · min. income ≈ HK$73,076/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$471,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,249
−HK$2,067/mo
▼ 0.25% · 3.875%
HK$39,275
−HK$1,041/mo
Today · 4.125%
HK$40,316
baseline
▲ 0.50% · 4.625%
HK$42,441
+HK$2,125/mo
Deposit HK$5.03M · loan HK$7.54M · min. income ≈ HK$80,632/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$471,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,112
−HK$2,516/mo
▼ 0.25% · 3.875%
HK$41,360
−HK$1,268/mo
Today · 4.125%
HK$42,628
baseline
▲ 0.50% · 4.625%
HK$45,221
+HK$2,593/mo
Deposit HK$3.77M · loan HK$8.80M · min. income ≈ HK$85,256/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$471,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,624
−HK$2,411/mo
▼ 0.25% · 3.875%
HK$45,821
−HK$1,214/mo
Today · 4.125%
HK$47,035
baseline
▲ 0.50% · 4.625%
HK$49,515
+HK$2,480/mo
Deposit HK$3.77M · loan HK$8.80M · min. income ≈ HK$94,070/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$471,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,573
−HK$3,234/mo
▼ 0.25% · 3.875%
HK$53,177
−HK$1,630/mo
Today · 4.125%
HK$54,807
baseline
▲ 0.50% · 4.625%
HK$58,142
+HK$3,335/mo
Deposit HK$1.26M · loan HK$11.31M · min. income ≈ HK$109,614/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$471,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,374
−HK$3,100/mo
▼ 0.25% · 3.875%
HK$58,913
−HK$1,561/mo
Today · 4.125%
HK$60,474
baseline
▲ 0.50% · 4.625%
HK$63,662
+HK$3,188/mo
Deposit HK$1.26M · loan HK$11.31M · min. income ≈ HK$120,948/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$471,190 · Scale 2, in force from 26 Feb 2026)