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$28,697
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$29,590
−HK$907/mo
Today · 4.125%
HK$30,497
baseline
▲ 0.50% · 4.625%
HK$32,352
+HK$1,855/mo
Deposit HK$6.29M · loan HK$6.29M · min. income ≈ HK$60,994/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$471,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,925
−HK$1,725/mo
▼ 0.25% · 3.875%
HK$32,782
−HK$868/mo
Today · 4.125%
HK$33,650
baseline
▲ 0.50% · 4.625%
HK$35,424
+HK$1,774/mo
Deposit HK$6.29M · loan HK$6.29M · min. income ≈ HK$67,300/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$471,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,437
−HK$2,159/mo
▼ 0.25% · 3.875%
HK$35,508
−HK$1,088/mo
Today · 4.125%
HK$36,596
baseline
▲ 0.50% · 4.625%
HK$38,823
+HK$2,227/mo
Deposit HK$5.03M · loan HK$7.55M · min. income ≈ HK$73,192/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$471,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,310
−HK$2,070/mo
▼ 0.25% · 3.875%
HK$39,338
−HK$1,042/mo
Today · 4.125%
HK$40,380
baseline
▲ 0.50% · 4.625%
HK$42,509
+HK$2,129/mo
Deposit HK$5.03M · loan HK$7.55M · min. income ≈ HK$80,760/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$471,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,176
−HK$2,520/mo
▼ 0.25% · 3.875%
HK$41,426
−HK$1,270/mo
Today · 4.125%
HK$42,696
baseline
▲ 0.50% · 4.625%
HK$45,293
+HK$2,597/mo
Deposit HK$3.78M · loan HK$8.81M · min. income ≈ HK$85,392/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$471,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,696
−HK$2,414/mo
▼ 0.25% · 3.875%
HK$45,894
−HK$1,216/mo
Today · 4.125%
HK$47,110
baseline
▲ 0.50% · 4.625%
HK$49,594
+HK$2,484/mo
Deposit HK$3.78M · loan HK$8.81M · min. income ≈ HK$94,220/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$471,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,655
−HK$3,239/mo
▼ 0.25% · 3.875%
HK$53,262
−HK$1,632/mo
Today · 4.125%
HK$54,894
baseline
▲ 0.50% · 4.625%
HK$58,234
+HK$3,340/mo
Deposit HK$1.26M · loan HK$11.33M · min. income ≈ HK$109,788/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$471,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,466
−HK$3,104/mo
▼ 0.25% · 3.875%
HK$59,007
−HK$1,563/mo
Today · 4.125%
HK$60,570
baseline
▲ 0.50% · 4.625%
HK$63,763
+HK$3,193/mo
Deposit HK$1.26M · loan HK$11.33M · min. income ≈ HK$121,140/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$471,942 · Scale 2, in force from 26 Feb 2026)