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$28,722
−HK$1,801/mo
▼ 0.25% · 3.875%
HK$29,615
−HK$908/mo
Today · 4.125%
HK$30,523
baseline
▲ 0.50% · 4.625%
HK$32,380
+HK$1,857/mo
Deposit HK$6.30M · loan HK$6.30M · min. income ≈ HK$61,046/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$472,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,953
−HK$1,726/mo
▼ 0.25% · 3.875%
HK$32,810
−HK$869/mo
Today · 4.125%
HK$33,679
baseline
▲ 0.50% · 4.625%
HK$35,455
+HK$1,776/mo
Deposit HK$6.30M · loan HK$6.30M · min. income ≈ HK$67,358/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$472,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,466
−HK$2,162/mo
▼ 0.25% · 3.875%
HK$35,538
−HK$1,090/mo
Today · 4.125%
HK$36,628
baseline
▲ 0.50% · 4.625%
HK$38,856
+HK$2,228/mo
Deposit HK$5.04M · loan HK$7.56M · min. income ≈ HK$73,256/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$472,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,343
−HK$2,072/mo
▼ 0.25% · 3.875%
HK$39,372
−HK$1,043/mo
Today · 4.125%
HK$40,415
baseline
▲ 0.50% · 4.625%
HK$42,545
+HK$2,130/mo
Deposit HK$5.04M · loan HK$7.56M · min. income ≈ HK$80,830/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$472,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,211
−HK$2,521/mo
▼ 0.25% · 3.875%
HK$41,462
−HK$1,270/mo
Today · 4.125%
HK$42,732
baseline
▲ 0.50% · 4.625%
HK$45,333
+HK$2,601/mo
Deposit HK$3.78M · loan HK$8.82M · min. income ≈ HK$85,464/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$472,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,734
−HK$2,417/mo
▼ 0.25% · 3.875%
HK$45,934
−HK$1,217/mo
Today · 4.125%
HK$47,151
baseline
▲ 0.50% · 4.625%
HK$49,636
+HK$2,485/mo
Deposit HK$3.78M · loan HK$8.82M · min. income ≈ HK$94,302/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$472,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,700
−HK$3,242/mo
▼ 0.25% · 3.875%
HK$53,308
−HK$1,634/mo
Today · 4.125%
HK$54,942
baseline
▲ 0.50% · 4.625%
HK$58,285
+HK$3,343/mo
Deposit HK$1.26M · loan HK$11.34M · min. income ≈ HK$109,884/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$472,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,515
−HK$3,108/mo
▼ 0.25% · 3.875%
HK$59,058
−HK$1,565/mo
Today · 4.125%
HK$60,623
baseline
▲ 0.50% · 4.625%
HK$63,818
+HK$3,195/mo
Deposit HK$1.26M · loan HK$11.34M · min. income ≈ HK$121,246/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$472,348 · Scale 2, in force from 26 Feb 2026)