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$28,658
−HK$1,797/mo
▼ 0.25% · 3.875%
HK$29,549
−HK$906/mo
Today · 4.125%
HK$30,455
baseline
▲ 0.50% · 4.625%
HK$32,308
+HK$1,853/mo
Deposit HK$6.28M · loan HK$6.28M · min. income ≈ HK$60,910/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$471,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,882
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$32,737
−HK$867/mo
Today · 4.125%
HK$33,604
baseline
▲ 0.50% · 4.625%
HK$35,376
+HK$1,772/mo
Deposit HK$6.28M · loan HK$6.28M · min. income ≈ HK$67,208/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$471,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,390
−HK$2,156/mo
▼ 0.25% · 3.875%
HK$35,459
−HK$1,087/mo
Today · 4.125%
HK$36,546
baseline
▲ 0.50% · 4.625%
HK$38,770
+HK$2,224/mo
Deposit HK$5.03M · loan HK$7.54M · min. income ≈ HK$73,092/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$471,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,258
−HK$2,067/mo
▼ 0.25% · 3.875%
HK$39,284
−HK$1,041/mo
Today · 4.125%
HK$40,325
baseline
▲ 0.50% · 4.625%
HK$42,451
+HK$2,126/mo
Deposit HK$5.03M · loan HK$7.54M · min. income ≈ HK$80,650/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$471,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,121
−HK$2,516/mo
▼ 0.25% · 3.875%
HK$41,369
−HK$1,268/mo
Today · 4.125%
HK$42,637
baseline
▲ 0.50% · 4.625%
HK$45,232
+HK$2,595/mo
Deposit HK$3.77M · loan HK$8.80M · min. income ≈ HK$85,274/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$471,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,634
−HK$2,412/mo
▼ 0.25% · 3.875%
HK$45,832
−HK$1,214/mo
Today · 4.125%
HK$47,046
baseline
▲ 0.50% · 4.625%
HK$49,526
+HK$2,480/mo
Deposit HK$3.77M · loan HK$8.80M · min. income ≈ HK$94,092/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$471,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,584
−HK$3,235/mo
▼ 0.25% · 3.875%
HK$53,189
−HK$1,630/mo
Today · 4.125%
HK$54,819
baseline
▲ 0.50% · 4.625%
HK$58,155
+HK$3,336/mo
Deposit HK$1.26M · loan HK$11.31M · min. income ≈ HK$109,638/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$471,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,387
−HK$3,101/mo
▼ 0.25% · 3.875%
HK$58,926
−HK$1,562/mo
Today · 4.125%
HK$60,488
baseline
▲ 0.50% · 4.625%
HK$63,676
+HK$3,188/mo
Deposit HK$1.26M · loan HK$11.31M · min. income ≈ HK$120,976/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$471,297 · Scale 2, in force from 26 Feb 2026)