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$28,688
−HK$1,799/mo
▼ 0.25% · 3.875%
HK$29,581
−HK$906/mo
Today · 4.125%
HK$30,487
baseline
▲ 0.50% · 4.625%
HK$32,342
+HK$1,855/mo
Deposit HK$6.29M · loan HK$6.29M · min. income ≈ HK$60,974/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$471,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,915
−HK$1,725/mo
▼ 0.25% · 3.875%
HK$32,771
−HK$869/mo
Today · 4.125%
HK$33,640
baseline
▲ 0.50% · 4.625%
HK$35,413
+HK$1,773/mo
Deposit HK$6.29M · loan HK$6.29M · min. income ≈ HK$67,280/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$471,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,426
−HK$2,159/mo
▼ 0.25% · 3.875%
HK$35,497
−HK$1,088/mo
Today · 4.125%
HK$36,585
baseline
▲ 0.50% · 4.625%
HK$38,811
+HK$2,226/mo
Deposit HK$5.03M · loan HK$7.55M · min. income ≈ HK$73,170/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$471,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,298
−HK$2,070/mo
▼ 0.25% · 3.875%
HK$39,326
−HK$1,042/mo
Today · 4.125%
HK$40,368
baseline
▲ 0.50% · 4.625%
HK$42,495
+HK$2,127/mo
Deposit HK$5.03M · loan HK$7.55M · min. income ≈ HK$80,736/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$471,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,163
−HK$2,519/mo
▼ 0.25% · 3.875%
HK$41,413
−HK$1,269/mo
Today · 4.125%
HK$42,682
baseline
▲ 0.50% · 4.625%
HK$45,279
+HK$2,597/mo
Deposit HK$3.77M · loan HK$8.81M · min. income ≈ HK$85,364/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$471,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,681
−HK$2,414/mo
▼ 0.25% · 3.875%
HK$45,880
−HK$1,215/mo
Today · 4.125%
HK$47,095
baseline
▲ 0.50% · 4.625%
HK$49,578
+HK$2,483/mo
Deposit HK$3.77M · loan HK$8.81M · min. income ≈ HK$94,190/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$471,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,639
−HK$3,238/mo
▼ 0.25% · 3.875%
HK$53,245
−HK$1,632/mo
Today · 4.125%
HK$54,877
baseline
▲ 0.50% · 4.625%
HK$58,216
+HK$3,339/mo
Deposit HK$1.26M · loan HK$11.32M · min. income ≈ HK$109,754/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$471,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,448
−HK$3,103/mo
▼ 0.25% · 3.875%
HK$58,988
−HK$1,563/mo
Today · 4.125%
HK$60,551
baseline
▲ 0.50% · 4.625%
HK$63,743
+HK$3,192/mo
Deposit HK$1.26M · loan HK$11.32M · min. income ≈ HK$121,102/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$471,792 · Scale 2, in force from 26 Feb 2026)