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$1,802/mo
▼ 0.25% · 3.875%
HK$29,626
−HK$908/mo
Today · 4.125%
HK$30,534
baseline
▲ 0.50% · 4.625%
HK$32,392
+HK$1,858/mo
Deposit HK$6.30M · loan HK$6.30M · min. income ≈ HK$61,068/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$472,511 · 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$35,467
+HK$1,776/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$472,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,478
−HK$2,162/mo
▼ 0.25% · 3.875%
HK$35,551
−HK$1,089/mo
Today · 4.125%
HK$36,640
baseline
▲ 0.50% · 4.625%
HK$38,870
+HK$2,230/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$472,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,357
−HK$2,072/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$472,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,225
−HK$2,522/mo
▼ 0.25% · 3.875%
HK$41,476
−HK$1,271/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$472,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,750
−HK$2,417/mo
▼ 0.25% · 3.875%
HK$45,950
−HK$1,217/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$472,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,717
−HK$3,244/mo
▼ 0.25% · 3.875%
HK$53,326
−HK$1,635/mo
Today · 4.125%
HK$54,961
baseline
▲ 0.50% · 4.625%
HK$58,305
+HK$3,344/mo
Deposit HK$1.26M · loan HK$11.34M · min. income ≈ HK$109,922/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$472,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,535
−HK$3,109/mo
▼ 0.25% · 3.875%
HK$59,078
−HK$1,566/mo
Today · 4.125%
HK$60,644
baseline
▲ 0.50% · 4.625%
HK$63,840
+HK$3,196/mo
Deposit HK$1.26M · loan HK$11.34M · min. income ≈ HK$121,288/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$472,511 · Scale 2, in force from 26 Feb 2026)