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$28,732
−HK$1,801/mo
▼ 0.25% · 3.875%
HK$29,625
−HK$908/mo
Today · 4.125%
HK$30,533
baseline
▲ 0.50% · 4.625%
HK$32,391
+HK$1,858/mo
Deposit HK$6.30M · loan HK$6.30M · min. income ≈ HK$61,066/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$472,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,964
−HK$1,727/mo
▼ 0.25% · 3.875%
HK$32,821
−HK$870/mo
Today · 4.125%
HK$33,691
baseline
▲ 0.50% · 4.625%
HK$35,466
+HK$1,775/mo
Deposit HK$6.30M · loan HK$6.30M · min. income ≈ HK$67,382/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$472,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,478
−HK$2,162/mo
▼ 0.25% · 3.875%
HK$35,550
−HK$1,090/mo
Today · 4.125%
HK$36,640
baseline
▲ 0.50% · 4.625%
HK$38,869
+HK$2,229/mo
Deposit HK$5.04M · loan HK$7.56M · min. income ≈ HK$73,280/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$472,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,356
−HK$2,073/mo
▼ 0.25% · 3.875%
HK$39,385
−HK$1,044/mo
Today · 4.125%
HK$40,429
baseline
▲ 0.50% · 4.625%
HK$42,560
+HK$2,131/mo
Deposit HK$5.04M · loan HK$7.56M · min. income ≈ HK$80,858/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$472,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,224
−HK$2,523/mo
▼ 0.25% · 3.875%
HK$41,475
−HK$1,272/mo
Today · 4.125%
HK$42,747
baseline
▲ 0.50% · 4.625%
HK$45,348
+HK$2,601/mo
Deposit HK$3.78M · loan HK$8.82M · min. income ≈ HK$85,494/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$472,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,749
−HK$2,418/mo
▼ 0.25% · 3.875%
HK$45,949
−HK$1,218/mo
Today · 4.125%
HK$47,167
baseline
▲ 0.50% · 4.625%
HK$49,653
+HK$2,486/mo
Deposit HK$3.78M · loan HK$8.82M · min. income ≈ HK$94,334/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$472,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,717
−HK$3,243/mo
▼ 0.25% · 3.875%
HK$53,326
−HK$1,634/mo
Today · 4.125%
HK$54,960
baseline
▲ 0.50% · 4.625%
HK$58,304
+HK$3,344/mo
Deposit HK$1.26M · loan HK$11.34M · min. income ≈ HK$109,920/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$472,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,535
−HK$3,108/mo
▼ 0.25% · 3.875%
HK$59,078
−HK$1,565/mo
Today · 4.125%
HK$60,643
baseline
▲ 0.50% · 4.625%
HK$63,840
+HK$3,197/mo
Deposit HK$1.26M · loan HK$11.34M · min. income ≈ HK$121,286/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$472,507 · Scale 2, in force from 26 Feb 2026)