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$28,723
−HK$1,802/mo
▼ 0.25% · 3.875%
HK$29,617
−HK$908/mo
Today · 4.125%
HK$30,525
baseline
▲ 0.50% · 4.625%
HK$32,382
+HK$1,857/mo
Deposit HK$6.30M · loan HK$6.30M · min. income ≈ HK$61,050/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$472,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,954
−HK$1,727/mo
▼ 0.25% · 3.875%
HK$32,811
−HK$870/mo
Today · 4.125%
HK$33,681
baseline
▲ 0.50% · 4.625%
HK$35,456
+HK$1,775/mo
Deposit HK$6.30M · loan HK$6.30M · min. income ≈ HK$67,362/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$472,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,468
−HK$2,161/mo
▼ 0.25% · 3.875%
HK$35,540
−HK$1,089/mo
Today · 4.125%
HK$36,629
baseline
▲ 0.50% · 4.625%
HK$38,858
+HK$2,229/mo
Deposit HK$5.04M · loan HK$7.56M · min. income ≈ HK$73,258/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$472,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,345
−HK$2,072/mo
▼ 0.25% · 3.875%
HK$39,374
−HK$1,043/mo
Today · 4.125%
HK$40,417
baseline
▲ 0.50% · 4.625%
HK$42,547
+HK$2,130/mo
Deposit HK$5.04M · loan HK$7.56M · min. income ≈ HK$80,834/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$472,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,213
−HK$2,521/mo
▼ 0.25% · 3.875%
HK$41,464
−HK$1,270/mo
Today · 4.125%
HK$42,734
baseline
▲ 0.50% · 4.625%
HK$45,335
+HK$2,601/mo
Deposit HK$3.78M · loan HK$8.82M · min. income ≈ HK$85,468/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$472,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,736
−HK$2,417/mo
▼ 0.25% · 3.875%
HK$45,936
−HK$1,217/mo
Today · 4.125%
HK$47,153
baseline
▲ 0.50% · 4.625%
HK$49,639
+HK$2,486/mo
Deposit HK$3.78M · loan HK$8.82M · min. income ≈ HK$94,306/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$472,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,702
−HK$3,242/mo
▼ 0.25% · 3.875%
HK$53,310
−HK$1,634/mo
Today · 4.125%
HK$54,944
baseline
▲ 0.50% · 4.625%
HK$58,287
+HK$3,343/mo
Deposit HK$1.26M · loan HK$11.34M · min. income ≈ HK$109,888/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$472,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,518
−HK$3,108/mo
▼ 0.25% · 3.875%
HK$59,061
−HK$1,565/mo
Today · 4.125%
HK$60,626
baseline
▲ 0.50% · 4.625%
HK$63,821
+HK$3,195/mo
Deposit HK$1.26M · loan HK$11.34M · min. income ≈ HK$121,252/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$472,371 · Scale 2, in force from 26 Feb 2026)