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$28,645
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$29,536
−HK$905/mo
Today · 4.125%
HK$30,441
baseline
▲ 0.50% · 4.625%
HK$32,294
+HK$1,853/mo
Deposit HK$6.28M · loan HK$6.28M · min. income ≈ HK$60,882/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$471,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,867
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$32,722
−HK$867/mo
Today · 4.125%
HK$33,589
baseline
▲ 0.50% · 4.625%
HK$35,360
+HK$1,771/mo
Deposit HK$6.28M · loan HK$6.28M · min. income ≈ HK$67,178/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$471,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,374
−HK$2,156/mo
▼ 0.25% · 3.875%
HK$35,443
−HK$1,087/mo
Today · 4.125%
HK$36,530
baseline
▲ 0.50% · 4.625%
HK$38,752
+HK$2,222/mo
Deposit HK$5.02M · loan HK$7.54M · min. income ≈ HK$73,060/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$471,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,241
−HK$2,066/mo
▼ 0.25% · 3.875%
HK$39,266
−HK$1,041/mo
Today · 4.125%
HK$40,307
baseline
▲ 0.50% · 4.625%
HK$42,432
+HK$2,125/mo
Deposit HK$5.02M · loan HK$7.54M · min. income ≈ HK$80,614/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$471,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,103
−HK$2,515/mo
▼ 0.25% · 3.875%
HK$41,351
−HK$1,267/mo
Today · 4.125%
HK$42,618
baseline
▲ 0.50% · 4.625%
HK$45,211
+HK$2,593/mo
Deposit HK$3.77M · loan HK$8.79M · min. income ≈ HK$85,236/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$471,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,614
−HK$2,411/mo
▼ 0.25% · 3.875%
HK$45,811
−HK$1,214/mo
Today · 4.125%
HK$47,025
baseline
▲ 0.50% · 4.625%
HK$49,503
+HK$2,478/mo
Deposit HK$3.77M · loan HK$8.79M · min. income ≈ HK$94,050/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$471,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,561
−HK$3,234/mo
▼ 0.25% · 3.875%
HK$53,165
−HK$1,630/mo
Today · 4.125%
HK$54,795
baseline
▲ 0.50% · 4.625%
HK$58,129
+HK$3,334/mo
Deposit HK$1.26M · loan HK$11.31M · min. income ≈ HK$109,590/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$471,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,361
−HK$3,099/mo
▼ 0.25% · 3.875%
HK$58,900
−HK$1,560/mo
Today · 4.125%
HK$60,460
baseline
▲ 0.50% · 4.625%
HK$63,647
+HK$3,187/mo
Deposit HK$1.26M · loan HK$11.31M · min. income ≈ HK$120,920/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$471,084 · Scale 2, in force from 26 Feb 2026)