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$29,564
−HK$906/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$471,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,897
−HK$1,723/mo
▼ 0.25% · 3.875%
HK$32,753
−HK$867/mo
Today · 4.125%
HK$33,620
baseline
▲ 0.50% · 4.625%
HK$35,393
+HK$1,773/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$471,523 · 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$38,789
+HK$2,225/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$471,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,277
−HK$2,067/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$471,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,141
−HK$2,517/mo
▼ 0.25% · 3.875%
HK$41,389
−HK$1,269/mo
Today · 4.125%
HK$42,658
baseline
▲ 0.50% · 4.625%
HK$45,253
+HK$2,595/mo
Deposit HK$3.77M · loan HK$8.80M · min. income ≈ HK$85,316/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$471,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,656
−HK$2,413/mo
▼ 0.25% · 3.875%
HK$45,854
−HK$1,215/mo
Today · 4.125%
HK$47,069
baseline
▲ 0.50% · 4.625%
HK$49,550
+HK$2,481/mo
Deposit HK$3.77M · loan HK$8.80M · min. income ≈ HK$94,138/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$471,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,609
−HK$3,237/mo
▼ 0.25% · 3.875%
HK$53,215
−HK$1,631/mo
Today · 4.125%
HK$54,846
baseline
▲ 0.50% · 4.625%
HK$58,183
+HK$3,337/mo
Deposit HK$1.26M · loan HK$11.32M · min. income ≈ HK$109,692/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$471,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,415
−HK$3,102/mo
▼ 0.25% · 3.875%
HK$58,955
−HK$1,562/mo
Today · 4.125%
HK$60,517
baseline
▲ 0.50% · 4.625%
HK$63,707
+HK$3,190/mo
Deposit HK$1.26M · loan HK$11.32M · min. income ≈ HK$121,034/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$471,523 · Scale 2, in force from 26 Feb 2026)