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$28,668
−HK$1,798/mo
▼ 0.25% · 3.875%
HK$29,560
−HK$906/mo
Today · 4.125%
HK$30,466
baseline
▲ 0.50% · 4.625%
HK$32,319
+HK$1,853/mo
Deposit HK$6.29M · loan HK$6.29M · min. income ≈ HK$60,932/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$471,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,893
−HK$1,723/mo
▼ 0.25% · 3.875%
HK$32,748
−HK$868/mo
Today · 4.125%
HK$33,616
baseline
▲ 0.50% · 4.625%
HK$35,388
+HK$1,772/mo
Deposit HK$6.29M · loan HK$6.29M · min. income ≈ HK$67,232/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$471,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,402
−HK$2,157/mo
▼ 0.25% · 3.875%
HK$35,472
−HK$1,087/mo
Today · 4.125%
HK$36,559
baseline
▲ 0.50% · 4.625%
HK$38,783
+HK$2,224/mo
Deposit HK$5.03M · loan HK$7.54M · min. income ≈ HK$73,118/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$471,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,271
−HK$2,068/mo
▼ 0.25% · 3.875%
HK$39,298
−HK$1,041/mo
Today · 4.125%
HK$40,339
baseline
▲ 0.50% · 4.625%
HK$42,465
+HK$2,126/mo
Deposit HK$5.03M · loan HK$7.54M · min. income ≈ HK$80,678/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$471,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,135
−HK$2,517/mo
▼ 0.25% · 3.875%
HK$41,384
−HK$1,268/mo
Today · 4.125%
HK$42,652
baseline
▲ 0.50% · 4.625%
HK$45,247
+HK$2,595/mo
Deposit HK$3.77M · loan HK$8.80M · min. income ≈ HK$85,304/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$471,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,650
−HK$2,412/mo
▼ 0.25% · 3.875%
HK$45,847
−HK$1,215/mo
Today · 4.125%
HK$47,062
baseline
▲ 0.50% · 4.625%
HK$49,543
+HK$2,481/mo
Deposit HK$3.77M · loan HK$8.80M · min. income ≈ HK$94,124/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$471,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,602
−HK$3,236/mo
▼ 0.25% · 3.875%
HK$53,207
−HK$1,631/mo
Today · 4.125%
HK$54,838
baseline
▲ 0.50% · 4.625%
HK$58,175
+HK$3,337/mo
Deposit HK$1.26M · loan HK$11.32M · min. income ≈ HK$109,676/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$471,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,407
−HK$3,102/mo
▼ 0.25% · 3.875%
HK$58,947
−HK$1,562/mo
Today · 4.125%
HK$60,509
baseline
▲ 0.50% · 4.625%
HK$63,698
+HK$3,189/mo
Deposit HK$1.26M · loan HK$11.32M · min. income ≈ HK$121,018/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$471,460 · Scale 2, in force from 26 Feb 2026)