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$28,651
−HK$1,797/mo
▼ 0.25% · 3.875%
HK$29,542
−HK$906/mo
Today · 4.125%
HK$30,448
baseline
▲ 0.50% · 4.625%
HK$32,300
+HK$1,852/mo
Deposit HK$6.28M · loan HK$6.28M · min. income ≈ HK$60,896/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$471,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,874
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$32,729
−HK$867/mo
Today · 4.125%
HK$33,596
baseline
▲ 0.50% · 4.625%
HK$35,367
+HK$1,771/mo
Deposit HK$6.28M · loan HK$6.28M · min. income ≈ HK$67,192/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$471,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,381
−HK$2,156/mo
▼ 0.25% · 3.875%
HK$35,451
−HK$1,086/mo
Today · 4.125%
HK$36,537
baseline
▲ 0.50% · 4.625%
HK$38,760
+HK$2,223/mo
Deposit HK$5.03M · loan HK$7.54M · min. income ≈ HK$73,074/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$471,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,249
−HK$2,066/mo
▼ 0.25% · 3.875%
HK$39,275
−HK$1,040/mo
Today · 4.125%
HK$40,315
baseline
▲ 0.50% · 4.625%
HK$42,440
+HK$2,125/mo
Deposit HK$5.03M · loan HK$7.54M · min. income ≈ HK$80,630/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$471,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,111
−HK$2,516/mo
▼ 0.25% · 3.875%
HK$41,359
−HK$1,268/mo
Today · 4.125%
HK$42,627
baseline
▲ 0.50% · 4.625%
HK$45,221
+HK$2,594/mo
Deposit HK$3.77M · loan HK$8.80M · min. income ≈ HK$85,254/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$471,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,624
−HK$2,410/mo
▼ 0.25% · 3.875%
HK$45,820
−HK$1,214/mo
Today · 4.125%
HK$47,034
baseline
▲ 0.50% · 4.625%
HK$49,514
+HK$2,480/mo
Deposit HK$3.77M · loan HK$8.80M · min. income ≈ HK$94,068/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$471,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,572
−HK$3,234/mo
▼ 0.25% · 3.875%
HK$53,176
−HK$1,630/mo
Today · 4.125%
HK$54,806
baseline
▲ 0.50% · 4.625%
HK$58,141
+HK$3,335/mo
Deposit HK$1.26M · loan HK$11.31M · min. income ≈ HK$109,612/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$471,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,373
−HK$3,100/mo
▼ 0.25% · 3.875%
HK$58,912
−HK$1,561/mo
Today · 4.125%
HK$60,473
baseline
▲ 0.50% · 4.625%
HK$63,661
+HK$3,188/mo
Deposit HK$1.26M · loan HK$11.31M · min. income ≈ HK$120,946/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$471,182 · Scale 2, in force from 26 Feb 2026)