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$28,685
−HK$1,798/mo
▼ 0.25% · 3.875%
HK$29,577
−HK$906/mo
Today · 4.125%
HK$30,483
baseline
▲ 0.50% · 4.625%
HK$32,338
+HK$1,855/mo
Deposit HK$6.29M · loan HK$6.29M · min. income ≈ HK$60,966/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$471,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,911
−HK$1,724/mo
▼ 0.25% · 3.875%
HK$32,767
−HK$868/mo
Today · 4.125%
HK$33,635
baseline
▲ 0.50% · 4.625%
HK$35,408
+HK$1,773/mo
Deposit HK$6.29M · loan HK$6.29M · min. income ≈ HK$67,270/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$471,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,421
−HK$2,159/mo
▼ 0.25% · 3.875%
HK$35,492
−HK$1,088/mo
Today · 4.125%
HK$36,580
baseline
▲ 0.50% · 4.625%
HK$38,806
+HK$2,226/mo
Deposit HK$5.03M · loan HK$7.55M · min. income ≈ HK$73,160/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$471,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,294
−HK$2,068/mo
▼ 0.25% · 3.875%
HK$39,321
−HK$1,041/mo
Today · 4.125%
HK$40,362
baseline
▲ 0.50% · 4.625%
HK$42,490
+HK$2,128/mo
Deposit HK$5.03M · loan HK$7.55M · min. income ≈ HK$80,724/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$471,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,158
−HK$2,519/mo
▼ 0.25% · 3.875%
HK$41,408
−HK$1,269/mo
Today · 4.125%
HK$42,677
baseline
▲ 0.50% · 4.625%
HK$45,273
+HK$2,596/mo
Deposit HK$3.77M · loan HK$8.81M · min. income ≈ HK$85,354/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$471,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,676
−HK$2,414/mo
▼ 0.25% · 3.875%
HK$45,874
−HK$1,216/mo
Today · 4.125%
HK$47,090
baseline
▲ 0.50% · 4.625%
HK$49,572
+HK$2,482/mo
Deposit HK$3.77M · loan HK$8.81M · min. income ≈ HK$94,180/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$471,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,632
−HK$3,238/mo
▼ 0.25% · 3.875%
HK$53,238
−HK$1,632/mo
Today · 4.125%
HK$54,870
baseline
▲ 0.50% · 4.625%
HK$58,209
+HK$3,339/mo
Deposit HK$1.26M · loan HK$11.32M · min. income ≈ HK$109,740/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$471,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,440
−HK$3,104/mo
▼ 0.25% · 3.875%
HK$58,981
−HK$1,563/mo
Today · 4.125%
HK$60,544
baseline
▲ 0.50% · 4.625%
HK$63,735
+HK$3,191/mo
Deposit HK$1.26M · loan HK$11.32M · min. income ≈ HK$121,088/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$471,733 · Scale 2, in force from 26 Feb 2026)